RFP2026-012 Stop-Loss Insurance

San Patricio County is soliciting proposals under RFP 2026-012 for Individual Stop-Loss Insurance (ISL) for the 2027 Plan Year, with a contract effective date of January 1, 2027. The required coverage is a 24/12 Specific Contract for Medical and Rx under specific, with no aggregate coverage. The plan utilizes a pure Reference Based Pricing platform and specifies a 100,000 dollar specific deductible and a 250,000 dollar aggregating specific deductible. Proposals must be submitted net of commissions and include transparent disclosure of all compensation. Awarded vendors are required to provide unrestricted access to raw claims files, as the County maintains ownership of all claims and utilization data. The contract will be awarded to the responsible submitter providing the best evaluated offer based on a point system. Evaluation factors include cost (45 points), experience (25 points), minimum or no lasers (15 points), tail coverage and claim disputes (10 points), and best rating (5 points). Proposals must be submitted by 2:00 PM on November 19, 2026, via the official county website or as hard copies delivered to Sinton, Texas. Submissions must include two hard copies and one digital copy on a thumb drive. Once submitted, proposals cannot be withdrawn for 90 days.