HM Insurance Group (HM) creates solutions to protect employers and health care entities from the financial risks associated with health care costs. With more than 30 years in the market, HM is among the top carriers nationally for Stop Loss insurance, protecting self-funded clients from the financial loss associated with unexpected large or catastrophic claims. Similarly, HMÕs Managed Care Reinsurance product line delivers optimal coverage for the financial protection of risk-bearing entities such as payers, providers and ACOs. HM Life Insurance Company, HM Life Insurance Company of New York and Highmark Casualty Insurance Company are rated ÒA-Ó (Excellent) by A.M. Best Company, one of the countryÕs oldest and most respected rating agencies. HM also consistently has been named to WardÕs 50 top life and health carriers based on financial performance. Through its insurance companies, HM Insurance Group holds insurance licenses in 50 states and the District of Columbia and maintains sales offices across the country. Learn more at www.hmig.com.