Ancillary Benefits for Okaloosa county

Closed State & local contract opportunity

Solicitation number
RFP RM 37-26
State
Florida
Responses due

Opportunity facts

Jurisdiction
UNSPSC codes
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Point of contact

Opportunity details come from procurement.opengov.com. Updated .

About this opportunity

Okaloosa County, Florida is issuing a Request for Proposals (RFP) for ancillary employee benefits coverage to qualified insurance carriers. The procurement seeks providers to deliver Dental PPO (fully-insured), Basic Life and AD&D, Voluntary Life and AD&D, Long-Term Disability (core and voluntary buy-up plans), and Voluntary Short-Term Disability coverage for eligible active employees, elected officials, retirees, COBRA participants, and their dependents across the County's constitutional officers. The proposed contract will commence October 1, 2026 and continue through September 30, 2027, with options for up to four additional one-year renewals. Proposers must obtain an AM Best rating of A or better and demonstrate comprehensive capabilities including detailed plan designs, compliance practices, case management and disease management programs, wellness programs with incentives, and customer service excellence. Pricing must be quoted on a net-of-commission basis utilizing two-tiered rate structures (Employee Only and Employee + Family for dental), with the County currently contributing 100% of employee-only dental premiums and 100% of active employees' basic life and long-term disability core plan costs. The deadline for proposal submission is April 21, 2026 at 3:00 PM CST, with the last day for questions set at April 9, 2026. The County will conduct a competitive review process with potential oral presentations from top-ranked firms, followed by contract negotiations upon Board of County Commissioners approval.

The RFP does not indicate specific set-aside designations or restrictions limiting bidder eligibility based on organization type or disadvantaged enterprise status. Current incumbent vendors include MetLife, which has maintained dental coverage since October 2022, and Ochs, which has provided life and disability coverage since October 2019. Current dental rates are $34.09 for Employee Only and $98.91 for Employee + Family coverage; basic life rates are $0.060 per $1,000 for actives and $1.350 per $1,000 for retirees; and long-term disability core plan rates are $3.53 per employee, though specific award values or comprehensive budget ranges for the overall contract are not disclosed in the available documentation.

Opportunity text

  1. Okaloosa County is seeking experienced and qualified firms that demonstrate the highest level of ability to provide the following lines of coverages:
  1. Dental PPO Coverage (Fully-Insured)
  2. Basic Life and AD & D Coverage
  3. Voluntary Life and AD & D Coverage
  4. Long-Term Disability Coverage
  5. Voluntary Long-Term Disability Coverage
  6. Voluntary Short-Term Disability Coverage (this will be a new line of coverage)

Files

File Type Posted
RFP_RM_37-26_Final_3.24.26.pdf PDF
RFP_RM_37-26_Final_3.24.26.pdf PDF
RFP_RM_37-26_Final_3.24.26.pdf PDF
RFP_RM_37-26_Final_3.24.26.pdf PDF

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