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NAICS Code· 524114

Direct Health and Medical Insurance Carriers

This U.S. industry comprises establishments primarily engaged in initially underwriting (i.e., assuming the risk and assigning premiums) health and medical insurance policies. Group hospitalization plans and HMO establishments that provide health and medical insurance policies without providing health care services are included in this industry. Cross-References.Show more

NAICS 524114 – Direct Health and Medical Insurance Carriers encompasses entities that underwrite and administer health insurance plans directly to individuals, groups, and government-sponsored programs. These carriers provide comprehensive medical coverage, including hospitalization, outpatient services, prescription drugs, and preventive care, often operating under federal health benefit programs such as the Federal Employees Health Benefits Program (FEHBP) or military health systems.

15
Active Contracts
$21.7B
Total Obligations (12mo)
533
Awarded Contracts (12mo)
107
Contractors Awarded (12mo)
-36.4%
YoY Growth

Industry Spending Overview

Federal obligations, top contractors and agencies, and related industry codes for NAICS 524114.

AI Industry Description

NAICS 524114 – Direct Health and Medical Insurance Carriers encompasses entities that underwrite and administer health insurance plans directly to individuals, groups, and government-sponsored programs. These carriers provide comprehensive medical coverage, including hospitalization, outpatient serv...

NAICS 524114 – Direct Health and Medical Insurance Carriers encompasses entities that underwrite and administer health insurance plans directly to individuals, groups, and government-sponsored programs. These carriers provide comprehensive medical coverage, including hospitalization, outpatient services, prescription drugs, and preventive care, often operating under federal health benefit programs such as the Federal Employees Health Benefits Program (FEHBP) or military health systems. In government contracting, this NAICS code supports the delivery of managed care services to federal employees, retirees, and eligible dependents, requiring robust compliance with HIPAA, ACA, and OPM regulations. These carriers function as critical intermediaries between federal beneficiaries and healthcare providers, leveraging actuarial modeling, claims adjudication systems, and network management to ensure cost-effective, high-quality care delivery. ALTITUDE TECHNOLOGIES INC. is the leading contractor in this sector, specializing in administrative services, claims processing, and enrollment management for federal health insurance programs. The company operates as a large prime contractor with deep expertise in federal health benefits infrastructure, often partnering with subcontractors to deliver scalable, compliant solutions across multi-agency environments. The Department of State is the primary federal buyer in this NAICS code, primarily procuring health insurance services for U.S. diplomatic personnel, overseas staff, and their families under the FEHBP. Demand is driven by global workforce mobility, compliance with international health standards, and the need for continuous coverage in high-risk or remote locations. The competitive landscape is concentrated among a small number of experienced contractors with proven track records in federal health benefit administration. Opportunities exist for firms with expertise in interoperable claims systems, telehealth integration, and regulatory compliance frameworks. Procurement trends indicate a growing emphasis on value-based care models and data-driven utilization management, favoring contractors with advanced analytics capabilities and secure, cloud-based infrastructure.

Top Contractors

Companies with the highest total award value under NAICS 524114, ranked by dollars won.

Ranked by total awards
CompanyTotal AwardsContracts
OPTUM PUBLIC SECTOR SOLUTIONS, INC.$10.2B18
TRIWEST HEALTHCARE ALLIANCE CORP$8.5B11
NOVITAS SOLUTIONS, INC.$949.1M2
WISCONSIN PHYSICIANS SERVICE INSURANCE CORP.$834.3M1
NORIDIAN HEALTHCARE SOLUTIONS, LLC Fargo ND 58103 USA$556.4M1
INTERNATIONAL SOS GOVERNMENT SERVICES LLC$158.7M2
UNITED CONCORDIA COMPANIES, INC.$151.6M1
HERITAGE HEALTH SOLUTIONS, INC.$115.5M1
NORIDIAN HEALTHCARE SOLUTIONS, LLC$56.2M1
METROPOLITAN LIFE INSURANCE CO$15.0M3

Top Agencies

Federal agencies directing the most contract spending toward NAICS 524114.

Department Of Veterans Affairs30 awards$18.7B
Ofc Of Acquisition And Grants Management1 award$948.5M
Department Of Defense (dod)1 award$834.3M
Office Of Acquisition Grants Management1 award$556.4M
Department Of Defense26 awards$315.1M
Department Of Justice14 awards$120.4M
Department Of State420 awards$88.1M
Department Of Health And Human Services3 awards$59.9M
Department Of Health And Human Services (hhs)32 awards$25.7M
Commodity Futures Trading Commission3 awards$13.5M

Related NAICS Codes

Industries similar to Direct Health and Medical Insurance Carriers, by shared sector, subsector, and industry group.

Direct Life Insurance Carriers

This U.S. industry comprises establishments primarily engaged in initially underwriting (i.e., assum...
524113Same Industry GroupHigh Similarity

Direct Property and Casualty Insurance Carriers

This U.S. industry comprises establishments primarily engaged in initially underwriting (i.e., assum...
524126Same Industry GroupHigh Similarity

Direct title Insurance Carriers

This U.S. industry comprises establishments primarily engaged in initially underwriting (i.e., assum...
524127Same Industry GroupHigh Similarity

Other Direct Insurance (except Life, Health, and Medical) Carriers

This U.S. industry comprises establishments primarily engaged in initially underwriting (e.g., assum...
524128Same Industry GroupHigh Similarity

Reinsurance Carriers

This industry comprises establishments primarily engaged in assuming all or part of the risk associa...
524130Same Industry GroupHigh Similarity

Insurance Agencies and Brokerages

This industry comprises establishments primarily engaged in acting as agents (i.e., brokers) in sell...
524210Same SubsectorMedium Similarity

Claims Adjusting

This U.S. industry comprises establishments primarily engaged in investigating, appraising, and sett...
524291Same SubsectorMedium Similarity

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds

This U.S. industry comprises establishments primarily engaged in providing pharmacy benefit manageme...
524292Same SubsectorMedium Similarity

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NAICS 524114 FAQ

Frequently Asked Questions

NAICS code 524114 covers Direct Health and Medical Insurance Carriers. This U.S. industry comprises establishments primarily engaged in initially underwriting (i.e., assuming the risk and assigning premiums) health and medical insurance policies. Group hospitalization plans and HMO establishments that provide health and medical insurance policies without providing health care services are included in this industry. Cross-References.

Recently Posted in Direct Health and Medical Insurance Carriers

NAICS: 524114
New
Federal
Managed Health Care ServicesThe US Marshals Service is seeking contractor support to establish a nationwide healthcare delivery system for individuals in federal custody, covering end-to-end management of medical, dental, and non-network pharmacy claims across all 94 federal judicial districts. This includes validation, processing, re-pricing, and clearing of claims with strict adherence to 18 U.S.C. § 4006, requiring that all reimbursement rates not exceed local Medicare Fee-for-Service allowable amounts or state Medicaid benchmarks. The solution must be enterprise-level, scalable, and capable of ensuring compliance with federal statutory requirements while delivering consistent healthcare services to detainees nationwide. The solicitation, titled Managed Health Care Services with number PODOMOHealthcare7152026, was posted on July 15, 2026, with responses due by August 7, 2026. It falls under NAICS code 524114 and is managed by the Department of Justice through the USMS office located in Landover, Maryland. Performance will be primarily based in Arlington, Virginia. Primary point of contact is Arness Harris at arness.harris@usdoj.gov, with Tara Gray as the secondary contact at Tara.Gray@usdoj.gov. This is a sources-sought notice aimed at gathering market information to shape the future procurement approach.
USMS US Department Of Justice

POSTED

2 days ago

DEADLINE

in 21 days
View Details
NAICS: 524114
New
SLED
Dental Insurance ProviderThe Metropolitan Government of Nashville and Davidson County is soliciting proposals for a dental insurance provider to deliver comprehensive and cost-effective coverage to its employees and their families through Solicitation Number MNPS000065, posted on July 15, 2026, with responses due by July 27, 2026. The requirement falls under NAICS Code 524114 and is managed by the Metro MNPS agency in Tennessee. Services will be provided on an as-needed basis via purchase orders without any minimum guaranteed volume, and the contract term cannot exceed sixty months without specific approvals. The selected provider must comply with all state and federal regulations, including maintaining valid licenses, adhering to the Americans with Disabilities Act 2010 Standards, and satisfying Tennessee-specific mandates such as the Tennessee Open Records Act, the Iran Divestment Act, and the Boycott of Israel Act. All employees working on-site must undergo criminal background checks through the Tennessee and Federal Bureau of Investigations, and the contractor must provide green light letters for each individual. The provider must also carry general liability insurance naming MNPS as an additional insured, workers’ compensation insurance at statutory Tennessee limits, and employer’s liability insurance with a minimum coverage of $100,000. All work products, records, and documents generated under the contract are deemed the property of MNPS, and the contractor is required to maintain accurate financial and operational records for five full years after final payment, in accordance with generally accepted accounting principles. Payments will be processed via ACH within thirty days of receiving a properly formatted invoice, with a maximum payment window of sixty days, and invoices must be submitted in PDF format within ninety days of service delivery, include a single MNPS purchase order number, and follow strict formatting guidelines. The contract is governed by Tennessee law, and MNPS retains the right to inspect facilities, revoke acceptance of non-conforming services, and terminate the contract with thirty days’ notice for convenience or breach, with a thirty-day cure period for breaches. The contractor must also ensure nondiscrimination based on age, race, sex, color, national origin, or disability, and post visible notices of this policy. Submission of proposals must be sent via email to procurement@mnps.org or delivered physically to the Procurement Department at 2601 Bransford Avenue, Nashville, TN 37204, and must include the contractor’s response to the solicitation and any required affidavits. The compensation structure is detailed
METRO_MNPS

POSTED

2 days ago

DEADLINE

in 10 days
View Details
NAICS: 524114
New
Federal
Health Insurance For Mission Seychelles LE Staff
American Embassy Nairobi

POSTED

3 days ago

DEADLINE

in 27 days
View Details
NAICS: 524114
New
SLED
International Student Health Insurance Program Administration
McNeese State University

POSTED

5 days ago

DEADLINE

in 18 days
View Details
NAICS: 524114
New
SLED
Sickness and Accidental Group Ins for International StudentsMcNeese State University in Louisiana is seeking proposals for a sickness and accidental group insurance program specifically designed for international students. The solicitation, identified by number 50017-D2700007, was posted on July 13, 2026, with a response deadline of August 4, 2026, at 8:00 PM Central Time. This procurement is classified under the state and local government category and is being managed by the university’s office in Louisiana, with no set-aside provisions or NAICS code specified. The insurance coverage must provide comprehensive protection against illness and accidental injuries to international students enrolled at the institution, ensuring compliance with institutional and immigration requirements. Roxane Fontenot serves as the primary point of contact for inquiries, reachable via email at rfontenot@mcneese.edu or by phone at 337-475-5090, and all responses must be submitted through the official Louisiana state procurement portal linked in the solicitation.
McNeese State University

POSTED

5 days ago

DEADLINE

in 18 days
View Details
NAICS: 524114
New
SLED
Dependent Health Insurance Coverage for Spouses and Children
McNeese State University

POSTED

5 days ago

DEADLINE

in 18 days
View Details
NAICS: 524114
SLED
Transit Health InsuranceThe City of St. Joseph, Missouri is soliciting proposals from qualified vendors to provide health insurance coverage for employees of its Mass Transit Division under solicitation number RFP2027-03. All submissions must be made electronically through the city’s official bidding system; paper, email, or faxed bids will not be accepted. The response deadline is August 12, 2026, at 9:00 PM, and interested parties are encouraged to review the online portal for full details. The city is committed to compliance with the Americans with Disabilities Act and requests that vendors with special needs notify the Purchasing Agent at least five working days prior to the deadline. The city affirms its commitment to equal opportunity and non-discrimination, ensuring that no bidder will be excluded based on race, color, religion, creed, sex, age, ancestry, or national origin. The agency has established a Disadvantaged Business Enterprise goal of 0.1 percent and actively encourages certified DBEs to participate. The City of St. Joseph reserves the right to reject any or all bids and is an Equal Opportunity Employer.
City Of St. Joseph

POSTED

14 days ago

DEADLINE

in 26 days
View Details
NAICS: 524114
Closed
SLED
Group Life Medical Dental and Long-Term Disability CoverageThe Edwards Aquifer Authority in San Antonio, Texas, is seeking proposals for comprehensive group benefit coverage including life, medical, dental, and long-term disability insurance for a one-year term beginning May 1, 2026, with the potential to extend for up to four additional one-year periods. The solicitation, identified as 002-26-AFS, includes mandatory submission of detailed cost proposal summaries for each benefit type and client reference forms, all of which must be delivered in both printed and digital formats on a USB thumb drive to the EAA office by June 25, 2026, at 3:00 p.m. Central Time; electronic submissions via email or fax are not accepted. Proposals will be evaluated based on a trade-off approach, with commercial quality—encompassing benefit design, customer service, provider networks, and administrative capability—weighted most heavily at 50 percent, followed by cost factors totaling 30 percent, and other factors including financial strength and customer references accounting for the remaining 20 percent, ensuring selection is not based solely on lowest price. All services must be performed for the agency located in San Antonio, Texas, with no specified FOB terms or physical delivery points beyond administrative acceptance conducted by the EAA. The procurement does not include federal accounting codes, invoicing system requirements such as WAWF, or formal contract administration roles like COR or COTR, but relies on designated agency contacts for communication and proposal receipt. While the request references compliance with Texas state laws and OSHA standards, no detailed technical specifications, packaging guidelines, or inspection protocols are provided. Offerors must certify the accuracy of their submissions but are not required to provide unique entity IDs, CAGE codes, or socioeconomic certifications, and no small business set-asides are indicated. The contract type and total estimated value remain unspecified, and the agency has not articulated special requirements such as key personnel, security clearances, or conflict of interest provisions, emphasizing instead structured form completion, financial transparency, and demonstrated experience in administering similar employee benefit programs.
EDWARDS AQUIFER AUTHORITY

POSTED

15 days ago

CLOSED

15 days ago
View Details
NAICS: 524114
Awarded
Federal
JUSMAG SASP & Contractual Employees Health InsuranceThe contract awarded under solicitation number 19RP3826Q0071 is for JUSMAG SASP and Contractual Employees Health Insurance, issued by the U.S. Embassy Manila under the Department of State, with performance located in Manila. The requirement is for a firm-fixed price, VAT-exempt health insurance plan that meets or exceeds the detailed benefits outlined in Annex A of the Scope of Work, including hospital-based care with direct access for outpatient consultations and basic lab procedures, annual physicals for employees 35 and older with specific screenings such as mammograms, Pap smears, ECG, and CBC, as well as comprehensive preventive services including vaccines for tetanus, rabies, and venom, diagnostic screenings for tuberculosis and cancer, family planning counseling, and wellness programs. The contract has a maximum duration of 30 months, structured around a base year from July 1, 2026, to June 30, 2027, a first option year extending to June 30, 2028, and a six-month extension through December 31, 2028, covering 22 employees across all periods. Pricing is evaluated based on a unit rate per employee per quarter, with the total evaluated price derived by multiplying this rate by the number of employees and quarters, and proposals may be rejected if deemed unreasonably low or high. All proposals must be submitted electronically to ManilaPurchasing@state.gov by June 15, 2026, in English, in MS Word, Excel, or PDF format under 10MB per file, and must include three volumes: administrative documentation such as SF-18, proof of SAM registration or an approved FAR 52.204-90 form with a valid NCAGE code, and completed FAR/DOSAR clauses; a pricing proposal covering all contract periods; and a technical proposal divided into four parts, each meeting or exceeding the requirements in Annex A and including a completed Benefits Compliance Matrix, which is mandatory for responsiveness. The contract incorporates extensive Federal Acquisition Regulation clauses governing ethics, labor, compliance, and security, including 52.203-13 on Contractor Code of Business Ethics and Conduct, 52.222-41 on Service Contract Labor Standards, 52.222-50 on Combating Trafficking in Persons, and 52.222-55 and 5
US Embassy Manila

POSTED

15 days ago

DEADLINE

N/A
View Details
NAICS: 524114
Federal
Global medical coverage for LES employees in US Embassy Podgorica, MontenegroThe U.S. Embassy in Podgorica, Montenegro, is soliciting proposals for comprehensive health insurance coverage for its locally employed staff, with the contract structured as a requirements instrument featuring a one-year base period and four optional one-year renewal periods, for a maximum total duration of five years. The government requires minimum benefit levels across essential services including 100% coverage for hospitalization and emergency care, 80% for outpatient services, ambulance, medications, preventive care, optical and hearing aids (with specific caps), and reproductive health, while mental health and substance abuse care must be covered at a minimum of 50%. The contract is a fixed-price arrangement with pricing submitted for three enrollment categories—Self, Self Plus One, and Family—based on an estimated base year count of 190 employees, with a guaranteed minimum of 30 covered individuals per year and a cap of 1,000 total employees over the life of the contract including all options. Proposals must be submitted electronically as a single PDF under 30MB to PodgoricaSolicitations@state.gov by 17:00 CET on August 14, 2026, and must be in English; incomplete submissions will be rejected. Offerors must include three volumes: a completed SF-33 with Section K representations and certifications, a detailed price proposal covering the base year and all four option years, and a technical proposal addressing each required benefit listed in Section C, clearly demonstrating compliance with minimum coverage thresholds. Offerors are required to be actively registered in the System for Award Management (SAM) with a current UEI number prior to proposal submission, and failure to do so will render the proposal non-responsible. In addition to SAM registration, offerors must submit a completed IRS Form W-14 to comply with tax regulations, provide proof of a permanent business presence in Montenegro or a plan to establish one within 30 days of award, and demonstrate licensure, certification, or accreditation as a qualified health insurance provider. Payment under the contract will be made in euros, with invoices submitted to the Embassy’s FMO office in Podgorica after the conclusion of each coverage period, and the Contracting Officer’s Representative, a Human Resources Specialist, will oversee inspection, acceptance, and invoice approval. Award will be made to the lowest-priced, technically acceptable, and responsible offeror, with no discussions anticipated unless necessary, and the government retains the right to terminate for convenience. The proposal must meet all
US Embassy Podgorica

POSTED

15 days ago

DEADLINE

in 28 days
View Details
NAICS: 524114
Closed
Federal
NOTICE OF CANCELLATION: Direct Health and Medical Insurance CarriersThe U.S. Mission Mexico is seeking qualified health insurance carriers to provide comprehensive medical coverage for its Local Employed Staff and their eligible family members, including legal spouses and unmarried children up to age 26, or beyond if the child is incapable of self-support due to a physical or mental condition, provided they remain unmarried and the employee maintains coverage. This requirement applies to all LE Staff employed by the Embassy in Mexico City, U.S. Consulates, and other U.S. government offices located within Mexico. The contract is structured as a firm fixed-price agreement with a base year and four optional one-year extension periods, with an additional six-month extension possibility under FAR 52.217-8. The procurement follows a Lowest Price Technically Acceptable (LPTA) evaluation process, where technical compliance is a pass/fail criterion and award is made solely to the lowest-priced offeror who meets all minimum benefit standards outlined in the Statement of Work. Coverage must include hospitalization, emergency services, outpatient care, obstetric and newborn care, ambulance, and other essential health benefits as specified, with detailed proposal requirements including a mapping of proposed benefits to Section C requirements, financial statements, past performance information, and proof of SAM registration. Proposals must be submitted electronically by January 7, 2026, in four volumes with specific formatting, and include completed standard forms such as SF-33, IRS Form W-14, and Section K certifications including validation of Unique Entity ID and CAGE code. The contract requires adherence to strict administrative procedures, including electronic invoicing via the ILMS Vendor Portal, compliance with payment rules in local currency, and strict handling of erroneous payments through refund or offset mechanisms. Contractors must comply with U.S. government security protocols, including background checks for unescorted access, ethical conduct standards, and submission of a qualified Account Manager with at least two years of international insurance experience who can communicate in English. All modifications, option exercises, and task order issuances are controlled exclusively by the Contracting Officer at the U.S. Embassy’s General Services Office, with no authority delegated to the Contracting Officer’s Representative. The Government maintains sole discretion to exercise all option periods, and contract administration is governed by Department of State-specific clauses, including deviation modifications to standard FAR provisions.
US Embassy Mexico

POSTED

15 days ago

CLOSED

6 months ago
View Details
NAICS: 524114
Awarded
Federal
JUSMAG SASP & Contractual Employees Health InsuranceThe contract awards health insurance coverage for JUSMAG SASP and contractual employees under solicitation number 19RP3826P0844, issued by the U.S. Embassy in Manila under the Department of State. The notice was posted on July 1, 2026, and is classified as an award notice with no set-aside designated, meaning it is open to all eligible vendors. The NAICS code 524114 corresponds to insurance carriers, indicating the scope involves health benefits provision. Performance of the contract will take place in Manila, Philippines, while the contracting office is located in Washington, D.C. The primary point of contact for inquiries is Sean P. Searcie, with Abegail B. Lamban-Tubo as the secondary contact, both reachable through ManilaPurchasing@state.gov. The contract supports the health and welfare of U.S. government-affiliated personnel assigned to the embassy by securing comprehensive health insurance services.
US Embassy Manila

POSTED

16 days ago

DEADLINE

N/A
View Details

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