Do ALL FHA loans require mortgage insurance?

I'm looking into refinancing my home to get out of an adjustable rate and I've received two good faith estimates. Both for FHA loans. It's a 95% loan and one company says they can get me the loan without mortgage insurance and the other says it's a requirement.
Update: Well I'm being assured that this FHA loan doesn't have any PMI on it and it's 95%. I even referenced the fhaloan.com site and he said he is 100% sure no MI. Any ideas?
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