Stop Loss Essentials is an advanced course for professionals who want true working mastery—not just a high-level overview. This course gets into the weeds, breaking down the real mechanics of stop-loss so you can confidently analyze, structure, and manage a policy from start to finish.

You’ll gain a deep understanding of underwriting, pricing, contract types, and the policy language that often determines whether claims are paid or denied. It also unpacks the real-world differences between MGUs and direct carriers, along with how each stakeholder impacts outcomes.

This course will allow you to shine in meetings—giving you the confidence to speak with authority, ask the right questions, and manage a client’s stop-loss program effectively.

By the end, you’ll be equipped to spot risks others miss and make informed decisions that directly improve financial results.

Ethics in Insurance delivers real-world guidance on doing the right thing in today’s complex benefits landscape. This course goes beyond theory to address everyday ethical challenges—conflicts of interest, transparency, fiduciary responsibility, and compliance—through practical scenarios relevant to group benefits and stop loss.

You’ll learn how to recognize risks, make sound decisions, and uphold professional integrity while protecting clients and your reputation.

Self-funding isn’t just a funding option—it’s a strategy that directly impacts cost, risk, and long-term plan performance. This course gives you a clear, practical understanding of how self-funded plans actually work—so you can move beyond theory and make informed decisions.

You’ll learn how to identify cost drivers, evaluate risk, structure stop-loss protection, and—most importantly—use real plan data to actively manage a client’s stop loss program. From analyzing claims trends and large claimant risk to understanding reporting, reserves, and cash flow, you’ll gain the insight needed to anticipate issues, guide strategy, and avoid costly surprises.

Whether you’re advising clients or managing a plan, this course equips you with the confidence to ask the right questions, spot gaps, and use data to drive better financial outcomes.

Foundation: Stop Loss Insurance is an advanced-level introduction designed to build a strong, practical understanding of how stop-loss supports self-funded health plans.

You’ll learn the core fundamentals—coverage types, key policy terms, underwriting basics, and how stop-loss protects against high-cost claims—without getting overwhelmed. This course simplifies complex concepts so you can quickly understand how risk is structured and managed.

By the end, you’ll have the confidence to speak the language of stop loss, understand how policies function, and support more informed decisions in real-world scenarios.

This course traces the evolution of U.S. health insurance—from early hospital prepayment plans to today’s self-funded strategies and stop-loss protection. You’ll explore key milestones like Blue Cross, the 1954 tax exclusion, ERISA, and the Affordable Care Act, and how they shaped employer-sponsored benefits.
You’ll also see how rising costs, specialty drugs, and regulatory changes continue to push employers toward self-funding—and why stop-loss remains critical to managing catastrophic risk.