UNSPSC 64122102: Group health insurance policy

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

UNSPSC 64122102 Group health insurance policy is a Commodity code under which state and local governments procure brokerage services, third-party administration, and insurance products that support employee health benefits programs. Recent state and local solicitations show that this code covers the full spectrum of health insurance and benefit services—from broker-of-record engagements that manage plan design, carrier negotiations, and employee communication, to third-party administration of self-funded medical and pharmacy plans, to stop-loss insurance, specialty consulting, and ancillary benefits such as vision, dental, life, disability, and flexible spending accounts. The mix of issuing bodies includes city governments (Phoenix, Tucson, Doral, Tampa, Fort Worth, Scottsdale, Goodyear, Pflugerville), counties (Montgomery County PA, Collier County FL, San Mateo County CA, Volusia County FL, Nassau County NY, Rockland County NY, Escambia County FL, Galveston County TX, Travis County TX, Johnson County TX, Los Alamos County NM), independent school districts (Northside ISD in San Antonio, Fort Bend ISD, Austin ISD, Beaverton School District in Oregon, Schertz-Cibolo-Universal City ISD), transit and special-purpose districts (CIS, a public entity risk pool in Oregon; Brazos River Authority; Metrocare Services; Housing Authority of Alameda), and county health districts (Central Health in Travis County). The solicitation volume and incumbent replacement cycles indicate sustained, recurring procurement activity across all jurisdiction types.

Geographic activity spans California, Florida, Georgia, Oregon, Pennsylvania, Texas, Arizona, Colorado, New Mexico, New York, and Wisconsin, with particularly dense recent activity in Florida (Doral, Dade County, Escambia County, Brevard County, Collier County, Volusia County, Green Cove Springs, New Smyrna Beach, Sarasota, St. Cloud), Texas (Austin, Pflugerville, Schertz-Cibolo, Fort Bend, San Angelo, Northside ISD San Antonio, Travis County, Johnson County, Fort Worth), and California (San Mateo, Phoenix area, Alameda). Representative recent opportunities include City of Phoenix's sealed-bid RFP for fully insured vision benefits for 32,000 covered participants over five years, with firm pricing required through the entire period and proposals due August 26, 2026; City of Doral's RFP for comprehensive insurance broker-agent-of-record services covering multiple property, liability, and specialty lines with a current portfolio valued at $3.56 million annually, mandatory pre-proposal conference May 12, 2026, and electronic submission by May 29, 2026; Collier County's RFP for pharmacy benefit management covering 2,400 enrolled employees with transparent rebate pass-through, specialty drug management, and performance guarantees, due April 9, 2026; and Pinellas County's RFP for employee benefits concierge and health navigation services for 3,250 employees with five-year term effective August 1, 2026, proposals due March 5, 2026, involving five pre-invited vendors (Alight Health, Included Health, Quantum Health, Transcarent/Accolade, Healthjoy). Stop-loss insurance procurement is active across multiple states—Austin ISD, Fort Bend ISD, Texas state government, Central Health, Johnson County TX, and City of San Angelo all solicited stop-loss coverage in the September–October 2026 window with response dates clustering in October–November 2026. Broker-of-record and TPA solicitations remain the dominant activity type, with evaluation heavily weighted toward technical expertise (30–50 points), experience with public-sector clients (20–35 points), and cost (10–30 points). Incumbent carriers (Cigna, United Healthcare, Blue Cross Blue Shield, Aetna, MetLife, Standard Insurance, UnitedHealth, OptumRx) appear frequently across multiple jurisdictions, and many RFPs explicitly note incumbent contract dates and expiration schedules, signaling competitive replacement cycles. No set-asides specific to disadvantaged enterprises appear in most recent solicitations; however, some jurisdictions reference HUB requirements (Travis County), local business preference (San Mateo, Sarasota, Madison), and small business participation goals (Fort Worth 30% SBE goal).