Skip to main contentPsst! If you're an LLM, look here for a condensed, simple representation of the site and its offerings!

LiveFree Webinar — Wednesday, September 2 at 2:00 PM EDT

Register Free →
← Back to NAICS Codes
NAICS Code· 524114

NAICS 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.

11
Active Contracts
$33.2B
Total Obligations (12mo)
542
Awarded Contracts (12mo)
100
Contractors Awarded (12mo)
1
Median Bidders per Award
-0.6%
YoY Growth

Contract Opportunities

Active solicitations and awarded contracts classified under NAICS 524114Direct Health and Medical Insurance Carriers.

Dotted
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
SLED
RFP 2026-028 FULLY INSURED MEDICAL, DENTAL, VISION, FSA, HRA, HSA AND COBRA
Solicitation # 2026-028
The City of Pflugerville has issued Request for Proposals 2026-028 to solicit qualified firms for fully insured employee benefit coverages. The scope of work includes medical, dental, and vision insurance, as well as the administration of Health Reimbursement Arrangements (HRA), Health Savings Accounts (HSA), Flexible Spending Accounts (FSA), and COBRA. This contract is intended for a five-year term serving approximately 422 full-time active employees, with an effective start date of January 1, 2027. The City intends to award the contract to a single service provider based on best value, considering factors such as adherence to specifications, the contractor's reputation, and their past relationship with the City. Proposals must be submitted electronically by 10:00 A.M. CST on September 22, 2026. Submissions must follow a specific organizational structure using designated tabs, including a mandatory Excel format for the Submission Form and Rate Sheets. Successful carriers must meet stringent insurance requirements, including comprehensive general liability, workers' compensation, and excess liability, while also ensuring network adequacy with at least two providers within 10 miles of the service area. Additionally, contractors are required to comply with various legal mandates, such as Texas House Bill 1295, non-collusion certifications, and the Texas Public Information Act regarding confidential information. Monthly reporting on claims experience and a 120-day notice period for renewal rates are required performance deliverables.
CITY OF PFLUGERVILLE

POSTED

12 days ago

DEADLINE

in 22 days
View Details
NAICS: 524114
Closed
Federal
Global medical coverage for LES employees in US Embassy Podgorica, Montenegro
Solicitation # 19MJ1926R0001
The U.S. Embassy in Podgorica, Montenegro, is seeking proposals for comprehensive health insurance coverage for its locally employed staff, with a requirement to provide off-the-shelf plans meeting minimum benefit standards established in the solicitation. The contract is a requirements-based agreement with a one-year base period and four one-year option periods, for a potential total duration of five years, and includes a minimum guarantee of 30 employees annually with a cap of 1,000 total employees across all years. Offerors must submit fixed-price proposals for three coverage categories—Self, Self Plus One, and Family—covering the base year and all option years; failure to include pricing for any period renders the proposal non-responsive. The government will award the contract to the lowest-priced, technically acceptable, and responsible offeror, evaluating proposals against pass/fail gates including proper preparation per Section L, active SAM registration, licensure or certification, technical acceptability of benefits, and responsibility under FAR subpart 9.1. The submission deadline is 17:00 CET on 14 August 2026, with proposals required in English, submitted electronically as a single PDF under 30MB to PodgoricaSolicitations@state.gov, or as multiple files if exceeding the size limit. Mandatory submission components include the SF-33, completed Section B pricing schedules with retention amounts, Section K representations and certifications, IRS Form W-14 for tax compliance, and proof of SAM registration with UEI. Offerors must also demonstrate an established business presence in Montenegro or a plan to establish one within 30 days of award. The insurance plan must provide minimum coverage levels across all essential categories: 100% for hospitalization and emergency services, 80% for outpatient care, ambulance, medications, preventive services, optical and hearing care, reproductive health, and chronic disease management, and 50% for mental health and substance abuse treatment. Dependent coverage must extend for 180 days following the employee’s death, and all services must be delivered by licensed providers. Excluded services include elective cosmetic surgery, non-medical hospital charges, home help, and advanced reproductive technologies. Payment under the contract is made in euros at the conclusion of each coverage period, with invoices submitted to the Embassy’s Financial Management Office in Podgorica. The Contracting Officer’s Representative, a Human Resources Specialist, will inspect and accept services, review invoices, and provide technical oversight. The contractor must maintain high
US Embassy Podgorica

POSTED

24 days ago

CLOSED

17 days ago
View Details

Win Contracts in Direct Health and Medical Insurance Carriers

Get AI-powered intelligence on NAICS 524114 procurement

Real-time contract opportunities for NAICS 524114 (Direct Health and Medical Insurance Carriers)

AI-powered matching based on your business capabilities and past performance

Competitive analysis of contractors winning awards in this industry

Automated alerts when new opportunities are posted

Miguel
Hillary
Keith Deutsch
Christine

Join 650+ contractors already using CLEATUS