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RenewalWhy is our renewal going up?Trend is usually the biggest driver. See how it's applied, and what one point is worth.Medical trend →Claims reportWhat is this claims report telling me?Paid vs. incurred claims, pooling, and why the same year can read 76% or 90%.Loss ratio →Self-fundingHow does stop-loss protect us?Specific vs. aggregate stop-loss, and what each one actually caps.Stop-loss insurance →
Term of the week
Medical Trend
The expected yearly change in health care costs per person. It is usually the largest driver of a renewal increase, and one of the least questioned.
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