Our Distinguished Family of Companies

ELMC Risk Solutions has assembled synergistic, high-performance Managing General Underwriting companies and industry consultants to deliver innovation and value through stop loss and reinsurance services. Our member companies are characterized by:

  • Sophisticated solutions
  • Outstanding analytics
  • Strong industry relationships
  • Superior level of claims management


IOA RE is among the nation’s leading MGU and stop loss services company, with over forty years of experience and successful client relationships.


RxReins is the leading MGU specializing in prescriptions drug stop loss services.

ELMCRx Solutions

ELMCRx Solutions is a nationally recognized industry thought leader in pharmacy benefits consulting.

CM Risk

CM Risk Management Services underwrites and manages Specific and Aggregate Stop Loss products and services in self-insured groups on behalf of its insurance carrier partners


Sequoia delivers risk solutions to the US health reinsurance market, with a focus on HMO reinsurance, provider excess, medical excess, captive reinsurance, and specialized employer stop-loss.

Rockport Benefits

Rockport Benefits, LLC has been formed with the hope of providing a refreshing alternative to the Medical Stop Loss market, offering the same reliability and consistency to which you are accustomed, fused with a true optimism and excitement toward our future capabilities.

Tesser Health

Tesser Health has helped employers and their employees save money on prescription drugs.


CobaltRx joins ELMCRx Solutions Expanding the Auditing and Analytics Capabilities