The medical stop-loss market is in trouble. With industry-wide loss ratios running dangerously high, several major reinsurance carriers have recently decided to exit the market entirely.

If you are an advisor putting small, 25-life groups into self-funded plans, you need to understand the extreme volatility you are exposing them to.

My guest, Mehb Khoja, the newly appointed COO of BCS, joins me to discuss the current state of the stop-loss and reinsurance markets. We break down why the stop-loss model is breaking under current loss ratios, why self-funding isn’t always the right answer for smaller employers, and how BCS is strategically using ancillary and voluntary benefits as a form of medical cost containment.

We also discuss his journey from pension actuary to C-Suite executive and why introverts can make some of the best salespeople in the industry.

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