Stop Loss Insurance

Fort Bend Independent School District (FBISD) is soliciting proposals for stop loss insurance coverage through Request for Proposal (RFP) Number 26-023KB, with the procurement open from September 25, 2025, to October 21, 2025. The district seeks stop loss insurance to protect against catastrophic claims risk, with a desired contract duration of one year and potential for four additional one-year renewals. Vendors must propose stop loss insurance with specific individual deductible options of $450,000, $500,000, and $550,000, covering medical and prescription drug expenses. The evaluation will utilize a comprehensive "best value" approach, scoring proposals across multiple criteria: purchase price (40 points), quality of services (25 points), extent of meeting district needs (20 points), vendor reputation (5 points), past district relationship (5 points), and long-term costs (5 points). A pre-proposal meeting is scheduled for October 7, 2025, at 10:00 AM CST, and proposals must be submitted electronically through the FBISD Bonfire e-bidding portal, with a public bid opening to be conducted via Microsoft Teams.

The procurement appears open to all qualified vendors, though FBISD emphasizes a Supplier Diversity Initiative encouraging small businesses with less than 50 employees and/or under $3 million in annual business volume to participate. The current stop loss insurance vendor is UnitedHealthcare (UHC), with medical administration remaining with UHC and pharmacy administration continuing through CVS. Vendors must provide comprehensive documentation, including company background, key personnel qualifications, project methodology, and references. The district requires vendors to complete various forms such as Form 1295, Conflict of Interest Questionnaire, and Pre-Employment Affidavit. While specific budget ranges are not explicitly stated, historical payment data from UnitedHealthcare indicates monthly medical payments ranging from approximately $7,735 to $18,354,811 across different policy classifications, suggesting a potentially significant contract value. Upon award, the selected vendor will be required to sign the FBISD Agreement for Services, EDGAR Form, and Data Protection Addendum, and submit a valid Certificate of Insurance.