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35 Years
experience
Trusted Stop Loss Insurance Solutions in Minneapolis, MN
TPAC Underwriters has been a trusted stop loss insurance partner for self-funded employers since 1991. Our team of experienced professionals specializes in creating customized risk management solutions that prioritize transparency and long-term savings. We work closely with clients to develop stop loss plans tailored to their specific needs without requiring claims history or individual questionnaires. With decades of industry expertise, we've pioneered innovative products like Spaggregate and SmartShare that simplify the transition to self-funding while maintaining financial predictability. Our commitment to ethical underwriting practices and client education has earned us lasting partnerships with employers and TPAs across the country.

We pride ourselves on delivering quick quotes, often same-day, and maintaining open communication channels with all our partners. Our leadership team brings extensive actuarial and underwriting experience to every client relationship, ensuring we provide practical solutions to complex healthcare financing challenges. Through our partnership philosophy and renewal approach, we've built a reputation for integrity and reliability in an industry where trust is paramount. Our clients consistently highlight our creative problem-solving and unwavering commitment to doing what's right for their organizations.
Services
Stop Loss Insurance Spaggregate SmartShare Specific & Aggregate Capitated Drug Card Programs Level Funding Solutions
Details
  • Year established: 1991
Highlights and features
  • We offer 30+ years of specialized expertise in stop loss insurance solutions
  • Our team provides laser-free stop loss options with creative designs
  • We deliver complete transparency in pricing and renewal rating methodologies
  • Our promise includes quick quotes, often available same-day
  • We maintain long-term partnerships built on honesty and integrity
What people say
Honest, transparent Creative solutions Reliable partner Price transparency Long-term savings
Update Listing
Services
Stop Loss Insurance
Our stop loss insurance protects self-funded health plans from catastrophic claims. We offer both specific coverage for individual high-cost claims and aggregate coverage for total population expenses. Our solutions provide financial predictability while maintaining flexibility for employers transitioning from fully insured plans.
Spaggregate
Spaggregate is our level-funded, aggregate-only stop loss product. This innovative solution offers employers predictable monthly payments while protecting against total population claim volatility. It's specifically designed for organizations transitioning from fully insured to self-funded plans without requiring individual health questionnaires.
SmartShare
SmartShare combines specific and aggregate stop loss coverage in a level-funded format. This solution protects employers from both individual catastrophic claims and overall population expenses. The unique structure maintains financial predictability while offering flexibility in managing healthcare costs for self-funded plans.
Specific & Aggregate
Our dual coverage approach addresses both individual and population-level risks. Specific coverage protects against high-cost individual claims while aggregate coverage safeguards against total population expenses. This comprehensive approach offers maximum protection for self-funded employers without forcing laser requirements.
Capitated Drug Card Programs
Our pharmacy solutions provide cost containment through reference-based pricing models. These programs help control prescription drug expenses for self-funded plans while maintaining access to necessary medications. The programs work seamlessly with our stop loss solutions to create comprehensive cost management strategies.
People
Michael Meloch
CEO
Michael Meloch leads TPAC with a focus on transparency and simplicity in healthcare financing. With extensive actuarial experience, he drives product innovation and corporate strategy while maintaining active community involvement through youth sports coaching and board service.
John Nelson
President
John Nelson oversees TPAC's operations with 30+ years of healthcare insurance experience. His leadership emphasizes ownership and accountability across all organizational responsibilities. He brings diverse industry perspective from various roles within the healthcare insurance sector.
Brian Loch
VP of Operations
Brian Loch manages TPAC's operations including implementation, claims, and finance. He focuses on leveraging technology to optimize processes while maintaining TPAC's vision of transforming healthcare financing. His leadership combines technical expertise with operational excellence.
Ryan Newville
Executive VP
Ryan Newville leads underwriting and data initiatives with 20+ years of TPAC experience. He specializes in using data analytics to improve stop loss solutions for self-funded employers. His expertise includes portfolio management, rating manuals, and product development.
Andy Niemi
VP of Captive Management
Andy Niemi manages TPAC's captive insurance company and develops customized cost control solutions. With extensive finance and operations experience, he provides day-to-day oversight while creating innovative opportunities for employer medical cost management.
Questions
What is stop loss insurance?
Stop loss insurance protects self-funded health plans from catastrophic claims. It reimburses plans when individual or total claims exceed specified amounts, providing financial protection for employers.
How does TPAC's Spaggregate work?
Spaggregate is a level-funded, aggregate-only stop loss product. It provides predictable monthly payments while protecting against total population claim volatility for transitioning employers.
What makes TPAC different from other providers?
TPAC offers laser-free solutions, transparent pricing, and quick quotes without individual questionnaires. Our 30+ years of experience and client-focused approach set us apart.
How do I get a stop loss quote?
Contact TPAC directly for quotes. We can provide same-day quotes for groups under 100 employees without requiring claims history or individual health questionnaires.
What are TPAC's working hours?
Our Minneapolis office operates during standard business hours. Contact us via phone or email for assistance with stop loss solutions and self-funding options.