Data_Included.zip

This is a Stop Loss Insurance Request for Quotes file for the School Board of Hillsborough County (HCPS) in Tampa, Florida. HCPS is seeking Stop Loss insurance proposals effective January 1, 2026, for approximately 24,328 eligible employees, with 78.5% currently enrolled in Medical/Rx coverage. Current enrollment as of August 2025 consists of 18,601 active employees, 44 COBRA participants, and 476 pre-65/post-65 retirees and surviving spouses, totaling 19,121 covered lives. The district is transitioning from a fully insured plan through Aetna (ending December 31, 2025) to a Self Funded arrangement under Aetna beginning January 1, 2026. HCPS initially requested Illustrative Individual Stop Loss (ISL)-only proposals using claims data through July 2025, with plans to firm up quotes using data through August and September 2025 as it becomes available, with addendums to be posted accordingly.

The RFQ process involves multiple phases of data submission to allow carriers to provide increasingly accurate pricing as updated claims experience becomes available. The transition to self-funding represents a significant change in the district's risk management strategy, shifting from traditional fully insured coverage to a self-funded model where HCPS assumes greater responsibility for claims while maintaining Stop Loss protection to limit catastrophic losses. The inclusion of COBRA participants and retirees in the covered population requires carriers to address multiple plan designs and eligibility categories in their proposals.