Moving from Fully Insured to Self-Funded is complex, with many moving parts
The healthcare system makes it difficult to explain stop-loss to your clients (and price it properly.) Most stop-loss is still quoted using surface-level data that treats risk as fixed and unavoidable. Brokers are left reacting to rates they did not influence, defending decisions they did not control, and losing leverage at renewal because the real drivers of cost were never addressed.
In a market defined by rising premiums and shrinking margins, guessing is expensive.
We help you build a sustainable program that delivers controlled costs and happier employees.
Depth Risk exists to change where the work happens. As a program manager, we partner with employers and brokers to examine risk at a deeper level, achieve the best stop loss rates, and offer you a healthcare program that meets your needs. We identify what can be improved, guide the changes, and help present cases that carriers trust.
Typical Outcomes Include:
Employers and brokers are achieving up to a 20% reduction in claims and renewals that consistently come in below trend.
Insurance pricing well below trend with flat increases not uncommon
Reduced total cost through risk optimization
Greater confidence at renewal
Clear differentiation in a crowded market
With Depth Risk, the work happens before the quote. Cost drivers are identified early. Practical fixes are implemented. And a plan design that educates consumers and gives them the tools and technology to find the right care at the right price.
When We Have Data – Great Things Happen
What Is a Program Manager?
A Program Manager equips you with the tools, processes, and pricing needed to control healthcare spend—while delivering best-in-class benefits that put employees first and produce measurable results.
Depth Risk: A Disciplined Approach to Better Insurance Rates
Depth Risk follows a simple, repeatable process designed to bring clarity to a complicated part of the market. No shortcuts. No guesswork. Just preparation that holds up under scrutiny.
Review the case and explore historical claims trends
Receive best in market stop loss rates fueled by our collective of Employers
Create a market ready proposal
Support the sale with care navigation team and technology for the consumer
Package results with best in class analytics
Depth Risk serves as a program manager for employer-sponsored health plans, helping brokers and employers control healthcare costs through thoughtful plan design and competitive stop-loss solutions. Our easy-to-understand programs engage and incentivize employees to make cost-effective care decisions, delivering proven, sustainable savings year after year.