Government Direct Health and Medical Insurance Carriers Contracts
NAICS 524114 · Direct Health and Medical Insurance Carriers
Government direct health and medical insurance carriers contracts totaled $140B across 1,867 awards from FY2024 to FY2026. The total was up 2% in FY2026 compared with FY2025, and the Department of Veterans Affairs was the largest buyer, accounting for 67% of the total.
Key figures
In FY2026, contract obligations were $48,561,853,685 across 729 awards with activity that year, a change of +2% from $47,617,808,134 in FY2025. From FY2024 to FY2026, obligations totaled $140,030,106,467 across 1,867 awards.
- Obligated in FY2026
- $48.6B
- Awards in FY2026
- 729
- Change vs FY2025
- +2%
- Total, FY2024 to FY2026
- $140B
Note: FY2026 ended on Sep 30, 2026. The Department of Defense publishes contract data with a 90-day delay, so FY2026 totals may still rise as late reports arrive.
Direct Health and Medical Insurance Carriers contract spending by year
Federal direct health and medical insurance carriers contracts per fiscal year (October to September), under NAICS 524114. The table below lists the same numbers.
| Fiscal year | Obligated | Awards | Change |
|---|---|---|---|
| FY2026 | $48,561,853,685 | 729 | +2% |
| FY2025 | $47,617,808,134 | 814 | +8.6% |
| FY2024 | $43,850,444,648 | 815 | n/a |
About government direct health and medical insurance carriers contracts
Federal spending on direct health and medical insurance carriers contracts rose 11% from FY2024 ($43.9B) to FY2026 ($48.6B). FY2026 closed recently, and Defense Department contracts are reported up to 90 days late, so its total may still rise.
Spending is highly concentrated: the top 3 contractors account for 88% of the total. A few large firms win most of this work, so subcontracting can be the easiest way in.
The Department of Veterans Affairs spends the most on direct health and medical insurance carriers contracts (67%), followed by the Department of Defense. The states with the most of this work are Virginia, Kentucky and Arizona.
NAICS 524114 (Direct Health and Medical Insurance Carriers) is part of the Finance and Insurance sector.
Top direct health and medical insurance carriers government contractors
Companies ranked by contract dollars under NAICS 524114 (Direct Health and Medical Insurance Carriers).
| # | Contractor | Obligated | Share |
|---|---|---|---|
| 1 | Optum Public Sector Solutions, Inc. | $65,129,818,906 | 46.5% |
| 2 | Triwest Healthcare Alliance Corp | $37,398,024,973 | 26.7% |
| 3 | Humana Government Business Inc | $20,175,882,997 | 14.4% |
| 4 | Health Net Federal Services, LLC | $4,964,441,953 | 3.5% |
| 5 | The Johns Hopkins Medical Services Corporation | $1,471,868,316 | 1.1% |
| 6 | Martins Point Health Care Inc | $1,288,771,064 | 0.9% |
| 7 | United Concordia Companies, Inc. | $1,161,083,618 | 0.8% |
| 8 | Express Scripts Inc | $1,079,778,848 | 0.8% |
| 9 | Palmetto Gba, LLC | $781,054,047 | 0.6% |
| 10 | Noridian Healthcare Solutions, LLC | $729,810,783 | 0.5% |
Agencies buying direct health and medical insurance carriers services
Federal agencies ranked by contract dollars under NAICS 524114.
| # | Agency | Obligated | Share |
|---|---|---|---|
| 1 | Department of Veterans Affairs | $93,305,674,067 | 66.6% |
| 2 | Department of Defense | $42,387,363,054 | 30.3% |
| 3 | Department of Health and Human Services | $3,657,866,218 | 2.6% |
| 4 | Department of Justice | $359,123,759 | 0.3% |
| 5 | Department of State | $277,656,750 | 0.2% |
| 6 | Securities and Exchange Commission | $22,464,589 | <0.1% |
| 7 | Department of the Treasury | $12,495,628 | <0.1% |
| 8 | Consumer Financial Protection Bureau | $3,840,462 | <0.1% |
| 9 | Commodity Futures Trading Commission | $3,443,659 | <0.1% |
| 10 | Agency for International Development | $163,568 | <0.1% |
Where direct health and medical insurance carriers contract work is performed
States ranked by contract dollars, using the place of performance on each award.
| # | State | Obligated | Share |
|---|---|---|---|
| 1 | Virginia | $84,056,300,224 | 60.0% |
| 2 | Kentucky | $20,175,882,997 | 14.4% |
| 3 | Arizona | $9,223,154,862 | 6.6% |
| 4 | Maryland | $8,783,920,693 | 6.3% |
| 5 | California | $4,970,295,119 | 3.5% |
| 6 | Wisconsin | $2,344,736,382 | 1.7% |
| 7 | Pennsylvania | $2,300,047,098 | 1.6% |
| 8 | Missouri | $1,766,292,873 | 1.3% |
| 9 | Maine | $1,288,971,572 | 0.9% |
| 10 | Texas | $803,476,356 | 0.6% |
Recent direct health and medical insurance carriers contract awards
The latest direct health and medical insurance carriers contracts, newest first. Each award ID links to its record on USAspending.gov.
| Start date | Recipient | Agency and description | Amount | Record |
|---|---|---|---|---|
| Sep 30, 2026 | Companhia de Seguros Allianz Portugal, S.a. | Department of StateGMC 2ND QTR ALL AG. | $43,694 | 19P05026F0178 |
| Sep 30, 2026 | Optum Public Sector Solutions, Inc. | Department of Veterans AffairsEXPRESS REPORT: R3 FY26 4TH QTR JULY | $1,085,804,853 | 36C10G26K0298 |
| Sep 30, 2026 | Optum Public Sector Solutions, Inc. | Department of Veterans AffairsEXPRESS REPORT: R2 FY26 4TH QTR JULY | $770,881,595 | 36C10G26K0297 |
| Sep 30, 2026 | Optum Public Sector Solutions, Inc. | Department of Veterans AffairsEXPRESS REPORT: R1 FY26 4TH QTR JULY | $729,817,621 | 36C10G26K0296 |
| Sep 30, 2026 | NN Hellenic Life Insurance Company Single Member S.a. | Department of StateHR- SUPPLEMENTAL MEDICAL INSURANCE OCT 1- DEC 31, 2026 | $278,029 | 19GR1026F0779 |
| Sep 30, 2026 | Optum Public Sector Solutions, Inc. | Department of Veterans AffairsCCN NEXT GEN - DENTAL NETWORK, IMPLEMENTATION TASK ORDER | $0 | 36C10G26N0110 |
| Sep 30, 2026 | Companhia de Seguros Allianz Portugal, S.a. | Department of StateGMC 2ND QTR | $34,736 | 19P05026F0180 |
| Sep 30, 2026 | Ste Sunu Assurances Iard RDC S.a | Department of StateHR: LE STAFF HEALTH INSURANCE FOR ONE MONTH | $244,215 | 19CG5026F0154 |
| Sep 28, 2026 | Aseguradora Ancon, S.a. | Department of StatePAYMENT INCREASE FROM DECEMBER 1, 2025 TO JULY 31, 2026 | $44,787 | 19PM0726F0219 |
| Sep 25, 2026 | Mutuelle Generale de L'Education Nationale | Department of StateTHE CONTRACTOR SHALL PROVIDE HEALTH INSURANCE SERVICES FOR THE EMBASSY LE STAFF AND THEIR ELIGIBLE FAMILY MEMBERS FOR PERIOD FORM SEP 29 - OCT 28, 2026 | $109,982 | 19BK8026F0275 |
| Sep 24, 2026 | Lux Med Spolka Z Ograniczona Odpowiedzialnoscia | Department of StateHEALTH CARE | $46,677 | 19PL9026F0730 |
| Sep 24, 2026 | Aseguradora Ancon, S.a. | Department of StateHEALTH & LIFE INSURANCE SEPTEMBER 30- OCTOBER 31 OPY2 | $100,725 | 19PM0726F0203 |
| Sep 23, 2026 | Triwest Healthcare Alliance Corp | Department of Veterans AffairsEXPRESS REPORT: AUGUST 2026 | $1,200,153,023 | 36C10G26K0300 |
| Sep 22, 2026 | Metlife Chile Seguros de Vida Sa | Department of StateHR - SEPTEMBER 2026 LES METLIFE HEALTH INSURANCE | $51,409 | 19C18026F0284 |
| Sep 22, 2026 | Continental Insurance Lanka Limited | Department of StateGMC LES HEALTH INSURANCE CONTRACT THIRD OPTION YEAR - Q4 OCT TO DEC 2026 | $153,606 | 19CE2026F0400 |
| Sep 18, 2026 | Axa Assurances Senegal | Department of StateGMC-HEALTH INSURANCE LES DAK-4TH OPTYEAR/TO PP18/26-PP19/26 | $44,095 | 19SG2026F0451 |
| Sep 17, 2026 | NV Surinaamse Assurantie Maatschappij Self Reliance | Department of StateOPTION YEAR HEALTH INSURANCE FOR LE STAFF AT U.S EMBASSY PARAMARIBO, SURINAME | $182,443 | 19GE5026F0498 |
| Sep 17, 2026 | Sinoasia B&R Insurance Company Joint Stock Company | Department of StateHEALTH INSURANCE SERVICES | $0 | 19KG1026F0334 |
| Sep 16, 2026 | Philhealthcare, Inc. | Department of StateGROUP HEALTH INSURANCE SERVICES FOR EMPLOYEES AND DEPENDENTS COVERING THE PERIOD FROM SEPTEMBER 20 TO DECEMBER 31, 2026. | $651,153 | 19RP3826F1380 |
| Sep 16, 2026 | Ascoma Tchad | Department of StateNDJAM-HRO-MEDICAL LIST ASCOMA - SEPT 20- OCT 3, 2026 | $60,352 | 19CD3026F0065 |
| Sep 14, 2026 | Sinoasia B&R Insurance Company Joint Stock Company | Department of StateASHGABAT SERVICED AGENCIES HEALTH INS. SEP 20-DEC 26, 2026 | $165,435 | 19TX1026F0118 |
| Sep 13, 2026 | Ascoma Tchad | Department of StateNDJAM-HRO-MEDICAL LIST ASCOMA -SEPT 6 - SEPT 19, 2026 | $60,754 | 19CD3026F0064 |
| Sep 13, 2026 | Ascoma Tchad | Department of StateNDJAM-HRO-MEDICAL LIST ASCOMA - AUG 23 - SEPT 5, 2026 | $60,754 | 19CD3026F0063 |
| Sep 9, 2026 | Assurances Maghrebia Sa | Department of StateFUNDING FOR MAGHREBIA HEATH INSURANCE: PP08/2026-PP17/2026 | $201,589 | 19TS8026F0572 |
| Sep 9, 2026 | Heritage Health Solutions, Inc. | Department of JusticeCONTRACTOR SHALL PROVIDE A NATIONWIDE HEALTH CARE DELIVERY SYSTEM PROVIDES HEALTH CARE SERVICES FOR PRISONERS HELD IN USMS CUSTODY AS DETAILED IN THE ATTACHED SOW. | $0 | 15M40026FA3500028 |
Open direct health and medical insurance carriers government bids
No open direct health and medical insurance carriers bids right now. Check the open bids page, which is updated daily from SAM.gov.
How to win government direct health and medical insurance carriers contracts
Federal direct health and medical insurance carriers contracts are posted on SAM.gov under NAICS 524114. Register your business free on SAM.gov with this code, watch for direct health and medical insurance carriers bids, and look for small business set-asides: many direct health and medical insurance carriers contracts for small business are reserved for small firms.
Explore government direct health and medical insurance carriers contracts by state, agency and contractor
- Department of Veterans Affairs contracts
- Department of Defense contracts
- Department of Health and Human Services contracts
- Department of Justice contracts
- Department of State contracts
- Government contracts in Virginia
- Government contracts in Kentucky
- Government contracts in Arizona
- Government contracts in Maryland
- Government contracts in California
- Optum Public Sector Solutions government contracts
- Triwest Healthcare Alliance government contracts
- Humana Government Business government contracts
- Health Net Federal Services government contracts
- Johns Hopkins Medical Services government contracts
Frequently asked questions
- What NAICS code is used for government direct health and medical insurance carriers contracts?
- Federal direct health and medical insurance carriers contracts use NAICS 524114 (Direct Health and Medical Insurance Carriers). List this code in your free SAM.gov registration to be found for these contracts.
- Who are the largest direct health and medical insurance carriers government contractors?
- By contract dollars under NAICS 524114 from FY2024 to FY2026, the largest were Optum Public Sector Solutions, Inc. ($65.1B), Triwest Healthcare Alliance Corp ($37.4B) and Humana Government Business Inc ($20.2B).
- Which agencies buy the most direct health and medical insurance carriers?
- From FY2024 to FY2026, the biggest buyers were the Department of Veterans Affairs ($93.3B), the Department of Defense ($42.4B) and the Department of Health and Human Services ($3.7B).
- Where are government direct health and medical insurance carriers contracts performed?
- By contract dollars, the most federal direct health and medical insurance carriers work is performed in Virginia ($84.1B), Kentucky ($20.2B) and Arizona ($9.2B).
- Is federal spending on direct health and medical insurance carriers contracts growing?
- Federal direct health and medical insurance carriers contract obligations rose 11% from FY2024 ($43.9B) to FY2026 ($48.6B). FY2026 closed recently, and Defense Department contracts are reported up to 90 days late, so its total may still rise.
- Do I qualify as a small business for direct health and medical insurance carriers contracts?
- It depends on the SBA size standard for NAICS 524114, which is set either by average annual revenue or by number of employees. Check the current table of size standards on sba.gov before you bid on small business set-asides.
- What do I need to bid on government direct health and medical insurance carriers contracts?
- An active SAM.gov registration (free) with NAICS 524114 listed, the licenses and insurance your state requires for direct health and medical insurance carriers work, and examples of similar past work. Some solicitations also ask for specific certifications or security clearances.