
Episode #2
Why Every Employer Needs to Care About Stop-Loss In 2026
<p>Employers often treat stop-loss insurance as a passive safety net. But with $2 million healthcare claims spiking by 213% since 2020, relying on a traditional deductible without a strategy is a guaranteed way to blow up your next renewal.In this episode of Own Your Benefits, Steve Gingrich and Brandon Ernstes break down exactly what employers need to know about the 2026 stop-loss market. We uncover the hidden conflicts of interest ruining healthcare captives and explain how high-performing, ownership-minded leadership teams are actively fighting back.We skip the theory and dive into three real-world case studies showing exactly how employers are legally neutralizing...

