The History of Stop Loss

Four decades of change

In our 40+ years, the health care landscape has changed dramatically as a result of medical advancements, legislation and developments in the employer‑sponsored benefit industry.

Through it all, Symetra has been ready to help benefits professionals and their clients adapt to evolving markets and meet their coverage needs. Here are some of the landmark events we have witnessed over the past four decades.

Symetra Stop Loss, filed as the Excess Loss policy, is insured by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004 and is not available in any U.S. territory. Our New York subsidiary insures products for New York policyholders.

1 EBRI Issue Brief #193, “Implications of ERISA for Health Benefits and the Number of Self-Funded ERISA Plans.” Retrieved December 8, 2015 from
2 National Employer Health Insurance Survey (NEHIS), 1994, as reported in Prevalence of Employer Self-Insured Health Benefits: National and State Variation, Christina H. Park, Division of Health Care Statistics at the National Center for Health Statistics, Centers for Disease Control and Prevention. Retrieved January 14, 2016 from
3 The Kaiser Family Foundation and Health Research and Educational Trust Employer Health Benefits 1999 Annual Survey. Retrieved December 9, 2015 from
4 Fronstin, Paul, EBRI, “Can “Consumerism” Slow the Rate of Health Benefit Cost Increases?” Retrieved December 8, 2015 from
5 United States Department of Labor Fact Sheet. Retrieved December 9, 2015 from