UNSPSC 84131600: Life and health and accident insurance

UNSPSC 84131600 Life and health and accident insurance, a Class code, encompasses brokerage services for employee benefits, stop loss coverage for self-funded health plans, and administration of life, disability, and supplemental health insurance products. State and local governments soliciting under this code are acquiring broker-of-record arrangements to design, negotiate, and place group medical, dental, vision, life, and disability coverage; stop loss protection for self-insured medical plans; and ancillary products such as accident, hospital indemnity, and critical illness insurance. Issuing bodies include municipalities, counties, state agencies, school districts, housing authorities, and special-purpose districts, typically employing RFP or RFQ structures with response windows of two to six weeks and contract terms of one to three years with renewal options. Recent solicitations show cities and counties seeking single-vendor consolidation of voluntary and mandatory benefit lines, with emphasis on cost containment, technology integration, and seamless carrier transitions.

Geographic activity spans Florida (City of DeBary, City of Holly Hill, City of Sarasota, Brevard County), Georgia (Catoosa County), Maryland (Montgomery County), Texas (City of Pflugerville, City of Lewisville, Central Health/Travis County, City of Waxahachie), Massachusetts (Town of Canton, Town of Acton), Ohio (City of Westerville), Connecticut (Amity Regional School District), South Carolina (Greenville County), Wisconsin (City of Madison), Illinois (State of Illinois), Mississippi (Mississippi Transportation Commission), and California (Housing Authority of Alameda). The City of Holly Hill (RFP 26-HR-01, due April 8, 2026) sought broker services for 109 employees and 53 retirees covering medical, dental, vision, and firefighter cancer insurance, with a 100-point evaluation emphasizing plan design and cost management (35 points), scope responsiveness (20 points), and team experience (15 points). The City of Lewisville, Texas (RFP #26-71-P, due May 26, 2026) solicited comprehensive third-party administration for 910 active employees and 23 retirees across medical, dental, pharmacy, stop loss, vision, life, disability, FSA, HSA, and COBRA, with evaluation weighting cost at 40–50 percent and current incumbent pricing at $811–$2,868 monthly for medical depending on plan tier. Greenville County, South Carolina (RFP #26057, due January 23, 2026) engaged a broker-of-record for 2,700 benefit-eligible employees managing self-insured medical, dental, vision, FSA, life, disability, accident, diabetes disease management, and stop loss administration. Recent solicitations reflect ongoing municipal and county demand for consolidated broker services, particularly in the South and Midwest, with contract values ranging from mid-five figures to seven figures annually based on employee census and service scope.