US Embassy Accra LE Staff GMC Health Insurance Services

The U.S. Embassy Accra is soliciting health insurance services for its locally employed staff under solicitation number 19GH1026Q0022, with proposals due by June 30, 2026, at 4:00 PM GMT. The contract is a requirements-type acquisition for comprehensive health coverage under a fixed-price structure with potential economic price adjustments after the first year, based on the Mission’s experience rating. The base period is one year, commencing 30 days after award, with four one-year option periods, for a maximum total duration of five years, though service extensions up to six months may be authorized under FAR 52.217-8. The insurance must cover 400 employees, 355 spouses, and 900 dependent children, with minimum coverage levels specified for every benefit category including hospitalization, emergency services, outpatient care, prescription drugs, dental, optical, hearing aids, reproductive health, mental health, and chronic disease management, all at defined percentages. Coverage excludes assisted reproductive technology and sterilization reversals. Offers must include fixed prices for the base and all option years without separate charges or penalties for non-exercise of options, and must be submitted in three volumes with strict formatting and completeness requirements including executed SF-33, pricing sheets, technical compliance documentation, SAM registration proof, and IRS Form W-14. The Government will award to the lowest-priced, technically acceptable, and responsible offeror, evaluated through a two-phase process: technical acceptability first, then price comparison using the total evaluated price—summing base and all option year costs excluding rider pricing. Technical proposals must meet or exceed all minimum coverage thresholds without reduction, and failing to do so renders the proposal unacceptable. Responsibility determinations will follow FAR Subpart 9.1, assessing financial viability through three years of financial statements, performance capability, ethical conduct, organizational competence, and legal eligibility. The Contracting Officer’s Representative, the Human Resources Officer, will inspect services, review invoices, maintain enrollment lists, and accept claims submitted via a biweekly drop box in their office. Claims must be processed by the contractor within two weeks, reimbursed via employee-named checks delivered to the COR for distribution. All payments are made in Ghanaian cedis to the Financial Management Officer at the U.S. Embassy Accra, with monthly invoicing and payment cycles. The contractor must ensure staff comply with strict standards of conduct and integrity, and may require escorted access