SECTION10. PLANFUNDING STOPLOSSCOVERAGEANDATTACHMENTPOINTS • Fifty-eight percent of covered workers in self-funded health plans are in plans that have stoploss insurance [Figure 10.7]. Stoplosscoveragemaylimittheamountofclaimsthatmustbepaidforeachworkerormaylimitthetotalamountthe plansponsormustpayforallclaimsovertheplanyear. – Thepercentageofcoveredworkersinself-fundedplanswithstoplossinsurance(58%)issimilartothevaluewhen thesurveyfirstaskedaboutstoplossinsurancein2011(58)%. – Eighty-eightpercentofcoveredworkersinself-fundedplansthathavestoplossprotectionareinplanswhere thestoplossinsurancelimitstheamountthattheplanmustspendoneachworker. Thisincludesstoploss insuranceplansthatlimitafirm’sper-employeespendingandplansthatlimitbothafirm’soverallspendingand per-employeespending[Figure10.8]. – Firmswithper-enrolleestoplosscoveragewereaskedforthedollaramountwherethestoplosscoveragewould start to pay for most or all of the claim (called an attachment point). The average attachment point in small firms is $80,000. Forlargefirmswithaper-personlimit,theaverageattachmentpointis$340,000[Figure10.8]. The Kaiser Family Foundation and Health Research & Educational Trust / Page 167