Group Size
5-250 enrolling employees with a 50% (or greater) participation.
Healthcare built to last
Healthcare built to last
The preferred
stop-loss solution
for small groups
Modern plan builders are delivering innovative healthcare solutions to employers and trust Arc for accurate, customized underwriting with a commitment to long-term stability.
What Is Arc
Our Core Product
Arc is a stop-loss insurance MGU and we offer coverage for small, self-/level-funded employers. Here are some highlights on our basic coverage offering.
Coverage Type
Aggregate-only coverage, optimizing on total cost for small groups.
Contract Terms
Our policies are 12/18 by default.
States
We write policies in all states excluding WA and NY.
Networks
We underwrite several networks (national PPO, regional HPNs, etc) and reference-based pricing.
Backing Insurance Carrier / Paper
We partner with carriers rated A by AM Best.
Don't see what you're looking for?
This is our standard offering but we can help with your custom needs.
Why We Are Different
We're not your typical MGU
Long-term Thinking
We focus on stable, consistent pricing from the start, with no surprises at renewal. As long-term partners, we're committed to helping you win and retain groups for years to come.
Simplified Quoting
We know hard it can be to get information from small groups. Our process does not require IHQs or claims data to produce firm quotes.
Quick Quoting
You shouldn't have to wait weeks to get a quote back. We return firm quotes within 24 hours.
Custom Underwriting Model
It's not easy to accurately price cost-containment programs. We build a custom underwriting model for your program so your groups get the full benefit of your hard work.
Easy Implementation
Implementation is tricky with small groups, often requiring collaboration between multiple parties. We help everyone stay on top to seamlessly go from quote RFP to bound policy.
Live Insights
We connect directly to your claims data sources, providing real-time reporting and clear, actionable steps to improve your groups' performance.
Cost Containment Support
We actively review your plan setup, cost containment stack and plan design language to optimize for cost savings and lower rates. We are a true partner in offering your clients the most competitive benefit offer possible.
Why plan builders choose Arc
Arc's proprietary, zero-overhead Synthetic Captive approach provides long-term rate stability, smoothens renewals, and helps you retain groups for the long term. Get started in no time by quoting our high-performance, ready-to-use plans.
Scalable Programs
We understand the challenges of small group underwriting. A high volume of quotes, lack of claims reports and implementation overhead. Our approach is built for scale, serving the small to mid market efficiently.
Synthetic Captives
We use the combined power of your small group block to offer better pricing, smoothened renewals, and access to top vendors-without the high fees and legal hassle typical of traditional captives.
Cost Containment Underwriting
We work with you to find the most optimal cost containment stack to deliver competitive and highly efficient health benefits to your clients.
Live Insights
We connect directly to your claims data sources, providing real-time reporting and clear, actionable steps to improve your groups' performance.
Ready to think long term?
Brokers are turning to Arlo for its Synthetic Captive approach. Find out if it's the right fit for you.
How It Works
Quoting with Arc
Quoting with Arc is quick and easy. Once our underwriting team has reviewed and setup your program, we return quotes within 24 hours.
1
Set up your program
Before quoting, our underwriting team reviews your program to build a custom model reflecting your SBCs and additional cost-containment strategies.
Review SBCsConfigure fee stack
2
Start quoting
Submit quotes through the Arlo Quoting Portal. Our tool helps you clean and standardize your submission in under 3 minutes.
Provide group informationClean the enrollment census in < 1 minSelect plan designs
3
Review your proposal
We return quotes within 24 hours. You can view your quote submissions and proposals from right within your dashboard.
View ratesDownload PDF and Excel proposalsOverride the default fee stack
4
Manage implementation
Closing a small group can be tricky and tedious. Our dashboard guides you through the process to make it as easy as possible.
Maintain a running to-do listDownload documentsVerify final enrollmentCollaborate between TPA and broker
Don't Just Take It From Us
Hear from our partners
Ryan Cox
Principal, SLI Benefits
Arc's partnership has been invaluable for my block of business. Not only are they unique in their underwriting approach, but are very thorough and consultative in the process to ensure best practices are followed. They have really challenged me to become a better resource for my clients in ensuring that no stone is left unturned in finding savings within their health plan.
Adam Berkowitz
President, Level Health
We've put a lot of effort into designing and integrating cost-containment solutions into our programs, but Arc is the first MGU that truly took the time to understand our approach and reflect it accurately in their quotes.
Russell Pekala
COO, Yuzu Health
As a TPA, we look for partners that match our values of honesty and responsiveness. Arc meets this bar and also delivers a level of diligence, creativity, and accountability that is only possible because they live in the details and not on the golf course.
Ryan Carter
Director of Stop Loss, Clearwater Benefits
Quoting for small groups has always been a challenge, often requiring the same effort as larger opportunities. However, with Arc, that's no longer the case. They've streamlined every aspect of the quoting process, making the experience exceptional for everyone involved. Arc has been an absolute game changer.
FAQs
Arc is a stop-loss insurance MGU and we underwrite stop-loss insurance policies.
Our standard offering is aggregate-only coverage for level-funded groups between 5 - 125 enrolling employees.
No! We do not require IHQs or any other claims information to produce a quote for your group.
We quote groups between 5 - 125 enrolling employees and require a minimum participation of 50% of eligible employees.
We can produce a quote in all states except WA, NY, and OK.
We can quote >20 networks (national PPO, regional high-performance networks, etc) and reference-based pricing plans.
We work with brokers, health plans, TPAs, DPC-led health plans, and many more with their underwriting needs. Don't hesitate to reach out to our team if you're unsure if you are a good fit.
Arc issues Stop-Loss Insurance Policies written on A-Rated carriers (as rated by AM Best). Contact us to learn more.
Ready to
build your plan
with Arc?
The preferred
stop-loss solution
for small groups