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Gwinnett County Government·Georgia

Provision of a Retiree Medicare Advantage Plan on an Annual Contract

Closes 6/8/2026$500k – $5MRequest for Proposal
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Description

Gwinnett County is seeking a qualified insurance carrier to provide a Medicare Advantage (MA) plan for its retirees on an annual contract basis. The contract will cover medical, Part B prescription‑drug, and a suite of supplemental benefits (vision, dental, hearing, etc.) for eligible former employees and their spouses. The selected carrier must be authorized to do business in Georgia, hold an A.M. Best rating of A‑7 or higher, and embed a $7.08 per member per month commission payable to Aon within the proposed rate. Proposals must be submitted in both hard‑copy (two unbound copies) and digital formats (five flash‑drive copies) by the June 8, 2026 deadline. The County will evaluate technical and financial proposals separately and may award a one‑year contract with up to four optional renewal periods. • Provide a full‑service Retiree Medicare Advantage PPO plan (no HMO options) including medical, Part B Rx, and supplemental vendor programs. • Must meet Georgia insurance licensing and A.M. Best A‑7+ rating requirements; commission of $7.08/member/month to be baked into the rate. • Submission package: two hard‑copy copies (original & copy) + five digital copies (three technical, two financial) on flash drives; cost proposal sealed separately. • Initial contract term: 1 year (January 1 – December 31 2026) with four optional one‑year renewals; estimated annual medical cost ≈ $7.86 million.

Attached files

The solicitation documents live at the source — open the bid source above to download them.

Contact

Dana Garland(Purchasing Manager)

[email protected]

(770) 822-8723

Key dates

Opened
5/6/2026
Questions due
5/15/2026
Closes
6/8/2026
Duration
1 year

Last updated

Details

Type
Request for Proposal
Industry
Insurance
NAICS
524114
Solicitation №
RP019-26

Budget estimate

$500,000 – $5,000,000

The RFP’s cost tabulation shows an annual medical expense of about $7.86 million for 1,598 members (including the $7.08/member/month commission to Aon). Assuming the winning carrier retains a typical underwriting margin of 5‑10 % on a Medicare Advantage contract, the net earnings for the provider could range from roughly $400 k to $800 k in the first year. If the contract is renewed for the maximum four additional years, cumulative earnings could approach $2 million‑$4 million. Therefore a realistic budget estimate for the initial year is $500 k – $5 million (the upper bound reflects possible higher margins, ancillary revenue from supplemental benefits, and multi‑year renewals).

AI estimate from the solicitation

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