Stop Loss Insurance for Metropolitan Transit Authority of Harris County, Texas

The Metropolitan Transit Authority of Harris County, operating as Metro Houston, is seeking proposals for stop loss insurance coverage under Solicitation RFP 2026000008, with a submission deadline of June 16, 2026, and an anticipated contract start date of October 1, 2026. The insurance is intended to support the agency’s self-funded health plan for both union and non-union employees, with specific requirements for coverage structure, including a 24-month policy term with a 12-month attachment period (24/12) and individual stop loss deductibles of $275,000, $300,000, and $325,000. Proposers must submit two distinct quotes: one for the existing non-union population and another combining both non-union and newly included union members, who must work 40 or more hours per week, while non-union employees require a minimum of 30 hours. All quotes must include a “no laser” option with a maximum 50% renewal rate cap, explicitly waive the A&W administrative requirement, and prohibit any mention of renewal language or dates, as inclusion of such content may lead to disqualification. Pricing must remain firm for 60 days to accommodate METRO’s internal approval timeline. Evaluation of proposals will be conducted on a best-value trade-off basis using a weighted scorecard totaling 100 points, with financial factors accounting for 35% of the score, followed by claims management and administration (25%), client service and support (20%), proposer qualifications and experience (10%), and implementation and transition support (10%). Key performance indicators include premium competitiveness, efficiency and accuracy in claims processing, coordination with existing Cigna and OptumRx administrators, responsiveness of account management teams, financial strength, public sector experience, and clarity of transition planning. The solicitation does not include formal contract clauses from the Federal Acquisition Regulation, nor does it specify accounting codes, invoicing systems, payment addresses, or inspection procedures. While attachments such as plan documents, historical claims data, and employee census records are referenced, they are distributed via secure email upon intent to quote without formal labeling. Submission must be routed through Gallagher Benefit Services, Inc., as the broker managing the RFP, and no physical packaging, security clearances, or socioeconomic certifications are required. The place of performance is Texas, with administrative activities centered at