NIGP 94982: Stop-Loss Insurance

NIGP 94982 Stop-Loss Insurance, an Item code, covers purchased reinsurance and administrative services that protect self-funded employee health plans against catastrophic claims, placed alongside or integrated into comprehensive benefits administration. State and local governments procuring under this code seek stop-loss carriers and brokers to manage individual and aggregate excess risk for medical and pharmacy benefits serving employee and retiree populations. Recent solicitations show counties, cities, transit authorities, and special-purpose districts—from small workforce boards to large municipal systems—buying standalone stop-loss coverage, bundled stop-loss-plus-broker services, and administrative-only arrangements paired with reinsurance placement. Greenville County, South Carolina is seeking an Insurance Broker of Record through RFP #26057 (due January 23, 2026) to place and manage stop loss insurance alongside medical, dental, vision, life, and disability for approximately 2,700 benefit-eligible employees across seven agencies; the City of Lewisville, Texas is procuring comprehensive employee benefits including medical and pharmacy stop loss through RFP #26-71-P (due May 26, 2026) for roughly 910 active employees and 23 retirees; and the City of Temple, Texas sought self-insured medical and pharmacy administrative services with reinsurance through RFP 270327 (due June 26, 2026).

Stop-loss procurement activity concentrates heavily in Texas, where transit authorities, municipalities, and water districts represent the bulk of recent solicitations. The Metropolitan Transit Authority of Harris County (METRO) issued RFP 2026000008 (due June 16, 2026) for stop loss insurance covering approximately 4,789 non-union employees plus union populations transitioning to self-funding, with pricing quoted at three deductible tiers ($275,000, $300,000, $325,000) and 24-month contract terms; the Upper Trinity Regional Water District issued RFP HR202606UTRWD (due July 2, 2026) for stop loss health and welfare services. Secondary activity appears in South Carolina, Florida, and Virginia, with Okaloosa County, Florida procuring ancillary benefits including voluntary short-term disability through RFP RFPRM3726 (due April 24, 2026), and the City of Alexandria, Virginia seeking professional stop-loss services for self-funded health and pharmacy plans through RFP 2003 (due May 7, 2026). Deductible structures typically range from $175,000 to $325,000; evaluation frameworks emphasize financial terms (35 percent weight in METRO's scoring), claims administration capability (25 percent), client service quality (20 percent), and proposer qualifications including public-sector experience. No recent solicitations cite explicit set-aside preferences for disadvantaged enterprises under this code.