USBenefits Insurance Services

USBenefits Insurance Services, LLC, also doing business as Employer Stop Loss Insurance Services, LLC, is a national managing general underwriter (MGU) specializing in medical stop-loss insurance. Launched in 2007, the company works through third-party administrators (TPAs) and select brokers, supporting self-funded employer health plans rather than soliciting coverage from individual consumers. Its services include medical stop-loss underwriting, quote and RFP support, claims strategy, and reimbursement guidance. Coverage is designed to help protect employers from high-cost claims while supporting healthcare cost management and greater financial stability.

USBenefits emphasizes disciplined underwriting, transparent pricing, and long-term consistency, aiming to avoid pricing practices that create unexpected renewal increases. The company works directly with brokers and TPAs to assess risk, provide responsive underwriting support, and help clients evaluate stop-loss options. Its ideal employer groups are already self-funded, have more than 200 covered lives, and seek an engaged stop-loss partner. USBenefits states that it does not accept vendor rebates, so savings remain with the employer.