NIGP 94982: Stop-Loss Insurance

NIGP 94982 Stop-Loss Insurance is an Item code representing reinsurance products that state and local governments purchase to protect self-funded employee health plans against catastrophic medical and prescription drug claim costs. State and local buyers procure stop-loss coverage in two primary forms: individual stop-loss policies that cap per-employee claim exposure above a specified deductible, and aggregate stop-loss policies that protect against total plan cost overruns. Solicitations under this code show issuers purchasing stop-loss as a standalone product paired with third-party administrator services, as part of comprehensive employee benefits packages, or alongside insurance brokerage engagements. The issuing-body mix spans state agencies (Texas state employee benefits), large counties (Escambia County in Florida; Greenville County in South Carolina; Harris County, Texas via the Metropolitan Transit Authority), municipalities (City of Temple, Texas; City of McKinney, Texas; City of Lewisville, Texas), independent school districts (Fort Bend ISD, Texas), and special-purpose districts (Upper Trinity Regional Water District, Texas). Recent activity shows Texas and Florida as the dominant jurisdictions, with scattered activity in South Carolina.

Recent representative opportunities include the State of Texas RFP (SLRI1026, October 19, 2026 response deadline) seeking stop-loss coverage for medical and prescription drug benefits; Fort Bend Independent School District RFP 27-013KB (November 2, 2026 response deadline) for stop-loss insurance; Metropolitan Transit Authority of Harris County RFP 2026000008 (June 16, 2026 response deadline) for individual and aggregate stop-loss covering approximately 4,789 non-union employees plus a newly self-funded union population, with evaluation weighted 35% on financial terms and contract strength, 25% on claims management and administration, and 20% on client service; and the City of Lewisville RFP 26-71-P (May 26, 2026 response deadline) procuring stop-loss alongside comprehensive health and welfare benefits administration for approximately 910 active employees and retirees, with current medical stop-loss deductible of $175,000. Escambia County, Florida (PD2526115, October 30, 2026 response deadline) solicited an insurance broker of record capable of managing stop-loss placement for Constitutional Officers and county agencies with total insured value exceeding $550 million across 2,100 employees and 400 locations. The code shows steady quarterly activity throughout 2026 with RFP as the dominant notice type.