Health & Life Insurance Services for Locally Employed Staff of the U.S. Mission in Belize
STATE, DEPARTMENT OF.STATE, DEPARTMENT OF.USEMBASSY BELMOPAN · Response deadline: Wed, 04 Nov 2026
What the government is buying
The U.S. Department of State's Embassy in Belmopan, Belize is soliciting offers for health and life insurance services for locally employed staff of the U.S. Mission in Belize. This is a commercial services procurement for insurance coverage that will benefit non-U.S. citizen employees working at the embassy.
NAICS code 524114 designates Direct Health & Medical Insurance Carriers, a classification that includes entities primarily underwriting health and medical insurance policies. These firms assume the risk of health-related claims in exchange for premiums. The related classification code G009 falls within the General Services and Facilities category.
Insurance services for overseas missions typically involve group policies covering medical care, hospitalization, prescription benefits, and life insurance for local national employees. U.S. diplomatic posts worldwide maintain such coverage to remain competitive employers in local labor markets and fulfill commitments to their workforce. The scope may include policy administration, claims processing, provider network management, and customer service—see the solicitation for specific coverage requirements, enrollee counts, and benefit tiers.
Key facts
| Attribute | Value |
|---|---|
| Agency | Department of State, U.S. Embassy Belmopan |
| Notice type | Solicitation |
| Solicitation number | 19BH2026Q0028 |
| NAICS | 524114 (Direct Health & Medical Insurance Carriers) |
| Set-aside | No Set aside used |
| Response deadline | November 4, 2026 at 5:00 PM Central Time |
| Place of performance | Belmopan, Belize |
Who can bid
This solicitation carries no set-aside designation, meaning it is open competition—any qualified firm regardless of size or socioeconomic status may submit an offer. Small businesses and large businesses compete on equal footing.
Given the specialized nature of international health insurance and the place of performance in Belize, potential offerors likely include:
- International insurance carriers with operations or partnerships in Central America
- Regional insurers licensed to operate in Belize
- Brokers or managing general agents with capability to structure and administer group policies across borders
Firms should verify their ability to meet any Belizean regulatory requirements for selling or administering insurance products locally. The State Department may require evidence of financial solvency, reinsurance arrangements, prior experience with diplomatic or expatriate coverage, and established medical provider networks in Belize—see the solicitation for specific qualification criteria.
How to put together a competitive bid
For health insurance solicitations, evaluators typically assess price, technical approach, and past performance. Consider these elements:
Technical proposal: Detail your claims administration infrastructure, customer service capabilities for English-speaking enrollees, provider network breadth in Belize, and experience with similar group accounts. Describe how you handle emergency medical evacuation, a common requirement for overseas posts. Explain your data security and privacy protections for employee health information.
Pricing: Structure premiums clearly with documentation of rating methodology. Identify any cost-sharing arrangements (deductibles, co-pays, coinsurance) and their impact on total cost of coverage. Note whether rates are guaranteed for the contract period or subject to adjustment.
Past performance: Provide relevant contract references, particularly for U.S. government or international organization clients. Performance in similar tropical or developing-country environments strengthens credibility.
Local presence or partnerships: If your firm lacks direct Belizean operations, address how you will deliver services locally—through partnerships, third-party administrators, or regional offices.
Given the foreign place of performance, review any requirements for business registration in Belize, tax obligations, or local licensing that might affect proposal feasibility.
Next steps
Read the full solicitation on SAM.gov (sam.gov) using solicitation number 19BH2026Q0028 to obtain the statement of work, evaluation criteria, and required proposal format.
Note the deadline firmly: All proposals must arrive by November 4, 2026 at 5:00 PM Central Time (-06:00). Allow ample time for international document transmission if submitting from outside Belize.
Register in SAM.gov if not already done; registration is mandatory for award.
Submit questions per any instructions in the solicitation communication plan, observing deadlines for pre-proposal inquiries.
View the official notice on SAM.gov →