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Industry Insights Blog

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Showing 1 - 10 of 26 results for ""
Business people sitting around a table smiling and talking while working together

Wednesday, May 28, 2025

Choose a Carrier That’s Backed by an Excellent Culture

By Dan Cloyd

When selecting Stop Loss coverage, don't overlook a crucial factor: the carrier's company culture. Dan Cloyd, regional sales vice president, Central Region, explains that culture is more than just a buzzword; it's the driving force behind what we do at HM Insurance Group (HM), from seamless teamwork between departments to a unified vision across leadership. At HM, we believe a collaborative environment with close working relationships ultimately enables us to best meet our clients' needs.
Medical supplies and a piggy bank are scattered throughout the design to show the dynamics of high-coast claims in health care

Friday, May 16, 2025

The Dynamics of High-Cost Claims in Health Care

By Kristen Baker

Kristen Baker, vice president, Operations, discusses how the health care claims landscape has shifted in recent years, with high-cost claims continuing to rise. Three key factors are influencing this trend: increases in claim frequency and severity, growth in pharmacy spending, and the unpredictability of initial diagnoses. To navigate these challenges, HM Insurance Group is focused on enhancing data analytics, optimizing processes, and developing strategic partnerships.
A team of business people are gathered around a table, talking and working together.

Wednesday, April 09, 2025

A Holistic Approach to Stop Loss Success – A CFO's Perspective

By Neil Reece

Neil Reece, chief financial officer, HM Insurance Group (HM), provides his perspective on HM’s approach to Stop Loss success, emphasizing that the company’s strategy isn't solely based on numbers on a spreadsheet, but rather on building resilience through financial strength, consistent performance, operational efficiency, and a supportive work environment. The goal is to withstand market fluctuations, enhance capabilities, and provide reliable financial protection for policyholders.
A pensive man sits and looks off into the distance as if he is deep in thought.

Friday, March 21, 2025

Facing Risk and Doing the Right Thing

By Mark Lawrence

At HM Insurance Group (HM), we know first-hand that life is not without risk, and with that in mind, our employees work hard every day to do the right thing for our clients. HM President Mark Lawrence addresses the impact that unexpected medical events can have on self-funded employers and the important role Stop Loss coverage plays in helping to pay catastrophic claims.
A rock concert from the perspective of someone in the crowd with a stage and lights in the background.

Friday, October 25, 2024

Rocking Busy Season with Confidence

By Eric Berg

Eric Berg, chief operating officer, HM Insurance Group, and life-long Bon Jovi fan uses some of the band’s music as a metaphor for navigating the Stop Loss busy season and rising healthcare costs. He shares his pride in our team’s commitment to consistently providing a high level of performance and emphasizes that we aren’t just “Livin’ on a Prayer” when it comes to protecting self-funded clients from the financial risks associated with catastrophic claims.
American Flags

Thursday, May 23, 2024

Memorial Day Reflections

By Mark Lawrence

It’s funny how your mind plays tricks on you. When I look in the mirror and see the gray-haired guy, I find myself wondering how I got to this point. My brain certainly doesn’t think I’m 55, but my driver’s license says so, so we’ll go with it. As every year passes, more memories return, and this time of year, as we prepare to celebrate Memorial Day, I’m reminded of the impact the military has had on my life and the lives of those around me.
A group of four people, two male and two female, are sitting at a table talking and laughing while reviewing HM materials.

Thursday, December 15, 2022

It’s Good to Know Who You’re Working With

By Eric Berg

We’re part of a very different workplace these days. It started before the pandemic, but the demands of working through it seem to have shined a light on our expanded diversity. Or maybe I’m just noticing it more because of where I am in my career and life – teetering in the void between Generation X and Millennials – half classic 1980s Duran Duran and the other half early 1990s Rage Against the Machine.
An arial view of winding road through a dense green forest.

Wednesday, October 05, 2022

Growth Mindset

By Mark Lawrence

It’s been a little while since I’ve written a blog post, and I wanted to provide an update on HM Insurance Group. Over the past two years, we have grown our Stop Loss premium by about 30 percent. After our July 1, 2022, effective date policies went in force, we exceeded $1 billion in annualized Stop Loss premium – a milestone we’d not previously achieved.
Two hands framing a sunset in a field of wheat.

Thursday, December 16, 2021

The Year in Review

By Mark Lawrence

2021 was a great year for HM Insurance Group (HM).Despite the continued effects of the pandemic, our team has continued to thrive and work to provide great service to our broker partners and TPAs as well as our shared clients.
Manhattan skyline at night post 9/11 featuring two spotlights where twin towers stood.

Wednesday, September 08, 2021

Never Lose Sight of What Happened

By Mark Lawrence

Few events will have a profound impact on both your business and personal lives, and that statement could not be truer than in reflection of what we experienced 20 years ago. On the morning of September 11, 2001, I was in a meeting with a number of reinsurers and our attorneys in a New York City skyscraper on the corner of Park Avenue and 50th Street. There were about 20 of us in a boardroom discussing a legal matter in which we had a common interest. There was an arbitration coming, and we were discussing strategy and timing.

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