2026 Stop Loss Premium Increase, Generational Increases, and 5 Generations of Stop Loss Insurance in a Nutshell
How much will stop loss premiums increase in 2026? In 2026, stop-loss insurance premiums will increase by an average of 7.8%. Financial regulators and the insurance industry have finalized the rates for next year, and the cumulative increase over the past five years is a whopping 46.3%. In other words, premiums have nearly doubled in five years. By generation, the increase varies greatly. While the first generation averages a 3% increase, the second generation averages a 5% increase, the third generation sees a 16% increase, and the fourth generation sees a whopping 20% increase. However, these are averages, and actual increases will vary depending on your age and the loss ratio of your insurance company. Actual loss insurance tax...
