With the healthcare industry facing range of pressing issues, today we’ll take a deep dive into some topics that are surely top of mind: the persistent rise in healthcare costs and the increasing unpredictability of claims. Both are of particular concern for self-funded employers who are working to accurately forecast their healthcare spending in this challenging environment. The volatility that they’re facing means they are increasingly turning to their brokers to help ensure their bottom line is covered with the right Stop Loss protection.
But the Stop Loss carriers aren’t immune to the market challenges either. The surge in high-dollar claims over the past few years has fueled an increase in loss ratios, leading to a strategic shift toward more conservative underwriting practices. And rates have gone up, as carriers have to maintain their ability to pay the escalating claims as promised. It leaves many asking – where do we go from here? What does the future hold for self-funded employers and the Stop Loss carriers providing coverage for their plans? Join me in unraveling the complexities of the market challenges and shedding some light on the path forward with two experts from HM Insurance Group, a leading national Stop Loss company.
I’m joined by HM Insurance Group President Mark Lawrence and Senior Vice President of Sales Greg Wilden, who are here to discuss the state of the market, key industry trends, and why it’s more important than ever to select a true Stop Loss partner for financial protection.
26 Jun 2025
A Conversation With Kim Morse And Matt Kremer
Sales directors Kim Morse and Matt Kremer explore trends impacting self-funded employers and discuss how to select a stop loss carrier to protect businesses in this interview.
9 Aug 2024
HMIG Podcast
The health care and insurance industries have seen an incredible increase in the sophistication and costs of medical treatment options over the past 10 years.
This includes innovative cancer treatment options, enhanced care for newborns, and the development of a growing number of gene therapies for rare diseases, among other contributors.
While these advancements have created the potential for life-changing treatment options for patients – they also have fueled a trend in rising claims – many of which can well exceed the million-dollar mark.
Employers continue to turn to self-funding as an option for gaining better control of their health benefits and costs, and given the state of the market and growing costs, having the right Stop Loss insurance protection in place provides a further mechanism of control.
Today I’m joined by John McCabe, regional vice president of sales for HM Insurance Group’s West region, and Evan Stratton, a sales director in HM’s newest office location – Denver.
They are here to discuss some significant industry trends and the importance of selecting the right Stop Loss protection.
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