UNSPSC 84130000: Insurance and retirement services

UNSPSC 84130000 Insurance and retirement services is a Family code covering health and benefits administration, insurance brokerage, claims management, and retirement plan services that state and local governments procure for their employees and beneficiaries. Recent solicitations show procurement bodies actively buying fully insured and self-funded health plans, disability and life insurance administration, pharmacy and vision benefits, dental coverage, workers' compensation third-party administration, stop-loss reinsurance, employee benefits consulting and brokerage, and specialized services such as Section 457 deferred compensation plan administration, ICHRA (Individual Coverage Health Reimbursement Arrangement) administration, ACA compliance and reporting, and health navigation concierge services. Issuing bodies span state departments of personnel and administration, county human resources departments, municipal HR offices, independent school districts, transit authorities, and special-purpose entities including housing authorities and medical centers.

Geographic activity concentrates in Colorado (multiple state disability and dental RFPs from the Department of Personnel & Administration), California (San Mateo County, Sacramento County, City of Phoenix, City of Tempe), Florida (Escambia County, Pinellas County, Palm Beach County, City of Sarasota, City of Green Cove Springs, Fort Bend Independent School District in Texas), and a scatter across Connecticut, Massachusetts, Michigan, Missouri, Texas, Arizona, and other jurisdictions. Representative recent opportunities include the State of Utah Department of Health and Human Services RFP MK27-105 for WIC Pharmacy Services (response due November 12, 2026, five-year term with fixed first-year pricing and tiered late-delivery penalties), Escambia County, Florida RFP PD2526115 for General Lines Insurance Agent of Record serving 2,100+ employees across 400+ locations with total insured value exceeding $550 million (response due October 30, 2026, 60-month initial term plus optional extensions), Pinellas County, Florida RFP 26-0251 for employee benefits concierge and health navigation services for 3,250 employees and families (response due March 5, 2026, five-year term with two optional one-year renewals), the State of Colorado Department of Personnel & Administration RFP AABA 2027-0042 for Short-Term and Long-Term Disability Benefits administration for 39,500 state employees (response due October 2, 2026, initial two-year-three-month term commencing April 1, 2027 with optional extensions through June 30, 2032), Palm Beach County RFP 26-042-DJ for Long-Term & Short-Term Disability and Term Life Insurance (response due August 18, 2026, January 1, 2027 effective date with twelve-month initial term plus up to four one-year renewals), and San Mateo County RFP 2026RFP00603 for Employee Benefits Broker/Consultant services for 8,400 employees (response due September 4, 2026, five-year term with local business preference scoring). The code sees sustained procurement activity driven by annual renewal cycles, five-year market evaluations, plan design changes, and transitions among carriers and administrators.