{"id":2872207,"date":"2025-08-15T13:01:34","date_gmt":"2025-08-15T13:01:34","guid":{"rendered":"https:\/\/www.wacoca.com\/videos\/2872207\/celebrity\/"},"modified":"2025-08-15T13:01:34","modified_gmt":"2025-08-15T13:01:34","slug":"the-tokio-marine-hcc-2025-stop-loss-report-5-key-takeaways","status":"publish","type":"post","link":"https:\/\/www.wacoca.com\/videos\/2872207\/celebrity\/","title":{"rendered":"The Tokio-Marine HCC 2025 Stop-Loss Report: 5 Key Takeaways"},"content":{"rendered":"<p><iframe loading=\"lazy\"  width=\"580\" height=\"385\" src=\"https:\/\/www.youtube.com\/embed\/mJOSK34fq7Q?modestbranding=1\" frameborder=\"0\" allowfullscreen><\/iframe><br \/>\n<br \/>\nThe Tokio-Marine HCC 2025 Stop-Loss Report: 5 Key Takeaways <\/p>\n<p>The stop-loss market is hardening. Renewals are tougher than they&#8217;ve been in years, and underlying medical costs are projected to climb 9-10% in 2025. But what are the specific trends driving this shift? <\/p>\n<p>It&#8217;s that time of year again\u2014I&#8217;m breaking down the annual Tokio Marine HCC Stop-Loss Report to give you the insights you need to navigate the current market.<\/p>\n<p>In this episode, I walk through my 5 key takeaways from this year&#8217;s report. We&#8217;ll explore the shocking increase in large claims (with $2 million claims now 1,250% more frequent than in 2013), the surprising data on how much COBRA claimants really cost a health plan, the frequency of lasers, and the crucial concept of loss ratio maturity.<\/p>\n<p>Read the full report here &#8211; <\/p>\n<p>Chapters:<\/p>\n<p>(00:01:28) The 5 Key Takeaways for 2025<br \/>\n(00:02:44) Diagnostic Categories: Frequency vs. Severity<br \/>\n(00:07:07) Why $2M Claims are Now 1,250% More Frequent<br \/>\n(00:10:04) The True Cost of COBRA Claimants<br \/>\n(00:11:42) Why Stop-Loss Carriers Laser Policies<br \/>\n(00:13:00) Understanding Loss Ratio Maturity &#038; Renewals<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Tokio-Marine HCC 2025 Stop-Loss Report: 5 Key Takeaways The stop-loss market is hardening. Renewals are to<\/p>\n","protected":false},"author":3,"featured_media":2872208,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[21045],"tags":[1802683,1802680,21047,21046,1802688,99790,157046,1802681,1802689,1802690,1802679,1802684,21657,1802687,1802686,22,1802682,1802685],"class_list":{"0":"post-2872207","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-celebrity","8":"tag-250-more-frequent","9":"tag-5-key-takeaways","10":"tag-celebrities","11":"tag-celebrity","12":"tag-hcc","13":"tag-key","14":"tag-report","15":"tag-stop-loss","16":"tag-stoploss","17":"tag-takeaways","18":"tag-the-tokio-marine-hcc-2025-stop-loss-report","19":"tag-the-true-cost-of-cobra-claimants","20":"tag-tokio","21":"tag-tokiomarine","22":"tag-understanding-loss-ratio-maturity-renewals","23":"tag-vlog","24":"tag-why-2m-claims-are-now-1","25":"tag-why-stop-loss-carriers-laser-policies"},"share_on_mastodon":{"url":"","error":""},"_links":{"self":[{"href":"https:\/\/www.wacoca.com\/videos\/wp-json\/wp\/v2\/posts\/2872207","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wacoca.com\/videos\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.wacoca.com\/videos\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.wacoca.com\/videos\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wacoca.com\/videos\/wp-json\/wp\/v2\/comments?post=2872207"}],"version-history":[{"count":0,"href":"https:\/\/www.wacoca.com\/videos\/wp-json\/wp\/v2\/posts\/2872207\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.wacoca.com\/videos\/wp-json\/wp\/v2\/media\/2872208"}],"wp:attachment":[{"href":"https:\/\/www.wacoca.com\/videos\/wp-json\/wp\/v2\/media?parent=2872207"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.wacoca.com\/videos\/wp-json\/wp\/v2\/categories?post=2872207"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.wacoca.com\/videos\/wp-json\/wp\/v2\/tags?post=2872207"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}