About Solas Re
A clearer view of stop‑loss.
Stop-loss is one of the least understood parts of an employer's health plan. We built Solas Re to make it transparent: what you pay for risk, what you pay for the work, and why.
The name
Solas means light
Solas is Irish and Scottish Gaelic for light, and it echoes solace: comfort when it's needed. Re marks us as a reinsurer.
What we are
A captive that carries its own risk
Solas Re is a medical stop-loss captive. We write specific and aggregate coverage for self-funded and level-funded employer plans, and we keep the core layer of risk on our own books. That gives us the flexibility to write independent networks, reference-based and cash-based pricing, and direct contract agreements.
Why we exist
Transparency employers can use
Employers are fiduciaries for their health plans, and they need to see what they are paying for. We built Solas Re around that.
The risk premium pays for risk. Flat PEPM fees, shown separately, pay for underwriting and administration. Plans with claims history are priced on their own results. No claims data? No problem: we can still underwrite from the census.
Why now
Every employer is a fiduciary, and the law now says so
Federal law has always made the employer a fiduciary for its health plan. The Consolidated Appropriations Act of 2021 banned gag clauses and required brokers to disclose what they're paid. The 2026 Act extended that disclosure to nearly every plan vendor, stop-loss included. That standard applies to every contract we enter, and we build every quote to meet it.
Every fee, in writing
Each part of the cost is disclosed to the employer before we bind.
A partner in the duty
We help the plan sponsor carry out its fiduciary role.
Open books
We require pre- and post-repricing transparency from our TPA partners, the standard the CAA is heading toward.
We say what we will pay
Then we pay it. When our pricing is wrong, we carry the cost.
Readiness
Fronting paper
A-rated, in place before we bind. Partner to be announced.
Accepting RFPs
Quoting medical stop-loss for 12/1/2026 and later effective dates.
Our team
The people behind the pricing
People who know medical stop-loss from the inside, and chose to build it around transparency.
