CT SB00926

Establishes minimum annual attachment points for stop-loss insurance policies effective January 1, 2018: $20,000 per covered individual, and for small employers $20,000, $4,000 per covered individual, or 120% of expected claims (whichever is greater).

Requires large employers' stop-loss policies to have annual aggregate attachment points of at least 110% of expected claims.

Prohibits stop-loss policies from providing direct coverage for individuals' health care or medical expenses.

Mandates that insurers offering compliant stop-loss policies submit annual actuarial certifications to the Insurance Commissioner by March 15th.

Prevents the Commissioner from denying stop-loss policies based on conflicts with underlying health plans regarding medical necessity, experimental treatments, provider networks, benefit limits, and other specified provisions.