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Stop-loss health insurance plans

Say so long to the risks of self-funding. With Aetna Stop-loss insurance, you can cap high-cost claims and get a full menu of features to boost health plan value, predictability and protection.

Explore Stop-loss features 



Stop-loss basics


With Stop-loss, you get all the typical benefits of self-funding, like flexible plan designs, better cash flow and exemption from state medical plan regulations. Plus, many non-typical benefits, like a cap on high-cost claims and choices to reduce exposure. All backed by our solid service and support

Plan highlights

  • One stop for medical plan and stop loss, for easier administration
  • Auto-reimbursement for high-cost claims as soon as they happen
  • Coverage for most claims, including transplants and substance abuse
  • Fixed monthly premium and pre-set liability limit
  • Individual and aggregate coverage options

Stop-loss buy-ups


Customize your Stop-loss coverage with optional features to add even more protection.

Buy-up options include

  • Terminal liability run-off coverage after policy ends  
  • Additional deductible on stop-loss claims for lower premiums
  • Variable coinsurance options from 100% down to 50%
  • Limits on stop-loss rate increase, and more

Stop-loss extras for small business

Aetna Funding AdvantageSM plans offer fixed monthly payments, digital shopping, on-demand reporting and more features with small business in mind. Like a share in the surplus when claims are lower than expected. 

More plans to fit you

More plans to fit you

With Stop-loss, you’ve got claims protection covered. Now complement that financial coverage with one of our quality medical plans, all built with health security in mind.

Options for whole health

Options for whole health

Add whole health to your benefits plan with our range of dental, vision and other ancillary benefits. They’re available standalone or with any medical plan. 

Count on us for the right combination

There’s no place like Aetna to find the plans, programs, services and administration you need to help keep your business strong and healthy.

Member Services

Keep members healthy and engaged with programs and services that keep whole health in mind.

Find services

Easy Administration

Explore quoting, enrollment and reporting tools to ease administration for plan sponsors and brokers. 

Find administration tools


Self-funded security

Protect your business and bottom line with Aetna Stop Loss.


Legal notices

Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna).

Health benefits and health insurance plans contain exclusions and limitations.

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