HM Insurance Group

Public facts

Employer stop-loss and A&H specialty

National stop-loss carrier (HM Life / Bridge City) for self-funded employers, plus assumed A&H reinsurance, provider excess, and captives in select markets.

Visit hmig.com

Overview

HM Insurance Group (Pittsburgh) writes employer stop-loss, assumed accident-and-health reinsurance, and provider excess insurance. Stop-loss is underwritten by HM Life Insurance Company or Bridge City Insurance Company in all states except New York (forms HMP-SL 08/19, HMP-SL 06/20, or BCICP-SL 06/20 or similar) and by HM Life Insurance Company of New York in New York. HM markets exclusively through producers. Licenses are described as 50 states and D.C. The company also offers a stop-loss captive solution in select markets. AM Best ratings on recent news copy are “A” (Excellent) for HM Life, HM Life of New York, and Bridge City.

Why it matters HM is a dedicated national stop-loss writer (not a medical ASO brand) with reinsurance and provider-excess siblings under HM Specialty.

Target buyer: Self-funded employers and brokers/TPAs placing independent stop-loss; also ceding carriers and provider entities for HM Specialty lines.
Pricing model: Quoted stop-loss premium via appointed producers; No public PEPM. Coverage subject to state approval; Oregon DBA for Bridge City is BCIC Insurance Company.
Availability: National
Research: Last researched 2026-08-23; Public facts category

Key features

Employer medical stop-loss (specific/aggregate structures described in overviews)
Producer-only distribution
Captive stop-loss in select markets
Provider Excess Insurance
Assumed A&H reinsurance
Array of deductibles and contract periods (company overview PDF)

Integrations

Producer / broker channel (exclusive)

Overview

HM Insurance Group sells financial protection for self-funded employers and other risk-bearing health entities. The homepage positions HM as a national stop-loss company that also writes assumed A&H reinsurance and provider excess.

Legal paper: HM Life (Pittsburgh) or Bridge City (Pittsburgh) outside New York; HM Life of New York in New York. Provider excess and reinsurance have separate form series listed in the site footer.

HM says it has more than 40 years in the market and is among the top national stop-loss carriers (asterisked ranking in the company overview PDF). Distribution is exclusively through producers.

A news item announces a stop-loss captive solution in select markets as an alternative financing arrangement for self-funded medical.

Key Capabilities

Custom employer stop-loss (deductibles and contract periods per overview).
Captives where offered.
Provider excess for risk-bearing providers.
Assumed A&H reinsurance for ceding carriers.

Detailed specific/aggregate menus were not fully extracted from the current homepage; older overview PDFs exist on hmig.com.

Integrations & Ecosystem

No public TPA-exclusive panel. Buyers work through brokers.

Pricing

Producer quote only.

Notes & Limitations

Older PDF ratings (A-) may predate current “A” news-page ratings—use the quote’s legal-entity AM Best.
Captive is “select markets,” not 50-state by default.
Product availability varies by state.

Sources

Tags: stop-loss · HM Insurance Group · reinsurance · provider excess · captive