UNSPSC 64122101: Individual health insurance policy

A type of commercial risk management contract, in the form of a policy, that protects individuals against the risk of damage due to health related conditions and maladies

UNSPSC 64122101 Individual health insurance policy is a Commodity code that state and local governments procure almost entirely as a component within broader benefits administration and brokerage contracts rather than as standalone policies. Recent state and local opportunities under this code reflect the reality that individual health insurance policies are purchased through intermediaries—benefits consultants, brokers of record, third-party administrators, and benefits platforms—rather than directly from insurers. The scope of work covers brokerage and consulting services for medical, dental, vision, and supplemental coverage; stop loss insurance; pharmacy benefit management; workers' compensation administration; and employee benefits concierge and navigation services. Issuing bodies include city human resources departments, county governments, school districts, and special-purpose authorities (healthcare districts, water authorities, transit authorities). Repeat activity comes from Florida municipalities and counties, Texas school districts and cities, and scattered procurements in the Northeast and West.

Geographic concentration is strongest in Florida (Pinellas County, Brevard County, Collier County, City of Doral, City of New Smyrna Beach, City of Tampa, City of Sarasota, Escambia County, Nassau County) and Texas (Fort Bend ISD, Austin ISD, Northside ISD, City of Pflugerville, City of Edinburg, Schertz-Cibolo-Universal City ISD, Brazos River Authority, Travis County Healthcare District, City of Tucson, Johnson County). Recent representative opportunities include Pinellas County's October 2026 RFP for employee benefits concierge and health navigation services (due March 5, 2026; evaluation emphasizes qualifications, approach, and cost across five weighted criteria); Escambia County's October 2026 procurement for a General Lines Insurance Agent to serve as agent of record for the County and five Constitutional Officers with over 2,100 employees and $550 million in insured value (proposals due October 30, 2026; minimum 10 years in business and $500 million annual revenue required); and the City of Doral's May 2026 RFP for Insurance Broker-Agent of Record with a current annual portfolio of $3.559 million in premiums across multiple lines (mandatory pre-proposal conference May 12, 2026; proposals due May 29, 2026). Fort Bend ISD, Northside ISD, and several school districts actively solicit stop loss insurance and third-party administration services. Activity spans ramp-up in July through October 2026, with most response deadlines clustering in August and September.