OPINION
ROBERT HOLMES BELL, District Judge.
In this ERISA case, the remaining parties cross-move for summary judgment under Fed.R.Civ.P. 56. For the reasons set forth below, the plaintiffs' motion is DENIED and defendant American Community Mutual Insurance Company's motion is GRANTED.
I. BACKGROUND
A.
Defendant American Community Mutual Insurance Company ("American") provides group health insurance policies and self-insured arrangements...
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