EBRInsights #364 - Employee Benefit Research Institute

EBRInsights #364

Issue #364
October 30, 2025

This Week’s Health Care Fast Fact — Mid-Sized
Employers Most Likely to Carry Stop-Loss Protection

To mitigate exposure to unusually high claims, employers will often purchase stop-loss coverage. An employer without the resources to cover unusually high claims could face financial distress or even insolvency, putting employees’ access to paid claims at risk. Stop-loss coverage limits an employer’s liability for high-cost claims by requiring the insurer to cover expenses set above a certain threshold. This week’s health care Fast Fact examines the differences in stop-loss coverage by firm size.

In Case You Missed It

“Unlocking Health Benefits: Where Employer High-Cost Spending Often Goes”
October 23

“Where Are Households Spending Their Defined Contribution Plan Loans: An Examination of Public-Sector Participants”
October 16

2025 EBRI Employer Mental Health Survey
October 10

“GLP-1 Coverage and Its Impact on Employment-Based Health Plan Premiums: A Simulation-Based Analysis”
October 9

“Health Care Spending Trends and Medical Condition Prevalence Among Top Health Care Users”
October 2

“Retirement Plan Participation Over Time: Findings From the National Longitudinal Survey of Youth 1979 Panel”
September 25

EBRI on the Road

November 9–12 — Paul Fronstin will be speaking on "GLP-1 Drugs: Coverage and What the Data Is Telling Us" at the IFEBP Annual Employee Benefits Conference.

EBRI in the News

7 Factors That Make Your Retirement More Financially Stable

Employers providing healthcare benefits must understand high-cost claimants: report

What to know about HSAs during open enrollment season

10 major retirement costs that many Americans overlook

EBRI Survey: Mental Health Benefits Nearly Universal - but Are They Working?

5 Ways to Stretch the Social Security COLA

Upcoming Research

“2025 EBRI Financial Wellbeing Employer Survey” by Jake Spiegel and Bridget Bearden

“Benefits Consultants' Perspectives on Dental, Vision and Supplemental Health Benefits” by Bridget Bearden and Jake Spiegel

“Employer Size Shapes Self-Insurance Trends More Than Ever”

“Expanding the Benefits Horizon: How Employers View Voluntary Offerings” by Jake Spiegel and Bridget Bearden

“Retirement Plan Participation and the Current Population Survey: The Impact of the Retirement Account Questions, 2018–2024”
by Kyle Bedu and Craig Copeland

“Where Are Households Spending Their Defined Contribution Plan Loans: An Examination of Private-Sector Participants” by Craig Copeland, Michael Conrath, and Sharon Carson

Upcoming Events

December 10 — EBRI Board of Trustees Meeting (Members Only)

December 11 — EBRI Financial Wellbeing Symposium

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