Last full year federal obligations under NAICS 524114 totaled 43.55 billion across 1,813 award actions, for an average action value of 24.02 million. The Department of Veterans Affairs and the Defense Health Agency accounted for most spending, while Optum Public Sector Solutions, TriWest Healthcare Alliance, and Humana Government Business led vendor obligations.
NAICS Industry
NAICS 524114 Federal Contract Obligations (Last Year)
Federal procurement activity for NAICS 524114 covers direct health and medical insurance carriers, with 43.55 billion obligated across 1,813 award actions in the last full year.
Annual figures reflect the last full year shown in the dataset; totals may include multiple award actions and are based on readable obligated amounts.
NAICS Code
524114
Industry
DIRECT HEALTH AND MEDICAL INSURANCE CARRIERS
Total Obligated
43.55 billion
43,547,251,337.84
Award Actions
1,813
Average Action Value
24,019,443.65
About NAICS 524114 federal contract activity
NAICS 524114, Direct Health and Medical Insurance Carriers, recorded $43.55 billion in obligated federal spending across 1,813 awards during the last full year, with an average award value of $24.02 million. This concentration indicates a market driven by a relatively small number of high-value health coverage and administration contracts.
Agency demand and leading federal buyers
The Department of Veterans Affairs led spending in this NAICS with $28.20 billion across 73 awards, far exceeding all other agencies and accounting for the dominant share of obligations. Defense Health Agency followed with $13.80 billion across 405 awards, while the Centers for Medicare and Medicaid Services obligated $1.27 billion across 203 awards; the remaining listed agencies were materially smaller by obligation.
Vendor concentration and leading contractors
OPTUM PUBLIC SECTOR SOLUTIONS, INC. was the top vendor with $18.80 billion across 40 awards, followed by TRIWEST HEALTHCARE ALLIANCE CORP. at $14.18 billion across 102 awards and HUMANA GOVERNMENT BUSINESS, INC. at $5.94 billion across 106 awards. These three vendors captured the vast majority of the displayed obligations, indicating a highly concentrated vendor base in federal health insurance carrier contracting.
Annual contract trend over the analysis window
The annual trend shows $43.55 billion in obligations and 1,813 awards in 2025, which represents the full analysis window provided. With only one year in scope, the data supports a point-in-time view rather than a multi-year growth or decline assessment.
How to interpret this page
This page summarizes FPDS obligations reported under NAICS 524114 for the last full year and ranks agencies and vendors by total obligated amount. Totals, award counts, and average award values reflect the dataset supplied for this query and should be interpreted as obligation-based federal procurement activity, not outlays or contract ceiling values.
Top Agencies
SELECT
agency_id,
agency_name,
total_obligated,
award_count,
formatReadableQuantity(total_obligated) AS total_obligated_readable
FROM
(
SELECT
content__award__purchaserInformation__contractingOfficeAgencyID AS agency_id,
anyHeavy(content__award__purchaserInformation__contractingOfficeAgencyID__name) AS agency_name,
sum(content__award__dollarValues__obligatedAmount) AS total_obligated,
count() AS award_count
FROM fpds.data
WHERE
contract_type = 1
AND content__award__productOrServiceInformation__principalNAICSCode = '524114'
AND content__award__purchaserInformation__contractingOfficeAgencyID IS NOT NULL
AND content__award__purchaserInformation__contractingOfficeAgencyID != ''
AND parseDateTimeBestEffortOrNull(content__award__relevantContractDates__signedDate) >= toStartOfYear(now()) - INTERVAL 1 YEAR
AND parseDateTimeBestEffortOrNull(content__award__relevantContractDates__signedDate) < toStartOfYear(now())
GROUP BY agency_id
)
ORDER BY total_obligated DESC
LIMIT 10| Agency ID | Agency Name | Total Obligated | Readable | Award Actions |
|---|---|---|---|---|
| 3600 | VETERANS AFFAIRS, DEPARTMENT OF | 28,200,103,143.01 | 28.20 billion | 73 |
| 97DH | DEFENSE HEALTH AGENCY (DHA) | 13,796,334,956.67 | 13.80 billion | 405 |
| 7530 | CENTERS FOR MEDICARE AND MEDICAID SERVICES | 1,272,545,069.00 | 1.27 billion | 203 |
| 1544 | U.S. MARSHALS SERVICE | 122,547,693.01 | 122.55 million | 8 |
| 1900 | STATE, DEPARTMENT OF | 97,215,496.29 | 97.22 million | 903 |
| 7523 | CENTERS FOR DISEASE CONTROL AND PREVENTION | 25,091,868.94 | 25.09 million | 3 |
| 1540 | FEDERAL PRISON SYSTEM / BUREAU OF PRISONS | 8,456,694.12 | 8.46 million | 95 |
| 5000 | SECURITIES AND EXCHANGE COMMISSION | 7,355,972.33 | 7.36 million | 3 |
| 2046 | OFFICE OF THE COMPTROLLER OF THE CURRENCY | 6,472,978.67 | 6.47 million | 4 |
| 2100 | DEPT OF THE ARMY | 4,016,147.88 | 4.02 million | 6 |
Insight
Obligations in NAICS 524114 are highly concentrated in two agencies, with the Department of Veterans Affairs accounting for $28.20 billion and the Defense Health Agency for $13.80 billion, or about 96% of the $43.55 billion total obligated over the last full year. The remaining agencies each represent a much smaller share, with CMS next at $1.27 billion and all others below $123 million individually. Award volume is more dispersed than dollars, led by DHA (405 awards) and CMS (203 awards), while VA’s spending is concentrated in far fewer awards (73).
Top Vendors
SELECT
vendor_name,
cage_code,
total_obligated,
award_count,
formatReadableQuantity(total_obligated) AS total_obligated_readable
FROM
(
SELECT
content__award__vendor__vendorHeader__vendorName AS vendor_name,
anyHeavy(content__award__vendor__vendorSiteDetails__entityIdentifiers__cageCode) AS cage_code,
sum(content__award__dollarValues__obligatedAmount) AS total_obligated,
count() AS award_count
FROM fpds.data
WHERE
contract_type = 1
AND content__award__productOrServiceInformation__principalNAICSCode = '524114'
AND content__award__vendor__vendorHeader__vendorName IS NOT NULL
AND content__award__vendor__vendorHeader__vendorName != ''
AND parseDateTimeBestEffortOrNull(content__award__relevantContractDates__signedDate) >= toStartOfYear(now()) - INTERVAL 1 YEAR
AND parseDateTimeBestEffortOrNull(content__award__relevantContractDates__signedDate) < toStartOfYear(now())
GROUP BY vendor_name
)
ORDER BY total_obligated DESC
LIMIT 10| Vendor | CAGE Code | Total Obligated | Readable | Award Actions |
|---|---|---|---|---|
| OPTUM PUBLIC SECTOR SOLUTIONS, INC. | 4KU58 | 18,795,539,552.04 | 18.80 billion | 40 |
| TRIWEST HEALTHCARE ALLIANCE CORP. | 07TQ3 | 14,183,963,399.98 | 14.18 billion | 102 |
| HUMANA GOVERNMENT BUSINESS, INC. | 050S0 | 5,943,521,994.18 | 5.94 billion | 106 |
| THE JOHNS HOPKINS MEDICAL SERVICES CORPORATION | 1NXX2 | 509,000,000.00 | 509.00 million | 10 |
| MARTINS POINT HEALTH CARE INC | 1NFZ9 | 450,100,000.00 | 450.10 million | 11 |
| HEALTH NET FEDERAL SERVICES, LLC | 3TJW0 | 425,230,044.76 | 425.23 million | 24 |
| EXPRESS SCRIPTS, INC. | 1WPW1 | 323,608,120.97 | 323.61 million | 37 |
| PALMETTO GBA, LLC | 3EYS4 | 300,136,220.00 | 300.14 million | 26 |
| UNITED CONCORDIA COMPANIES, INC | 03XW8 | 266,571,130.50 | 266.57 million | 7 |
| NORIDIAN HEALTHCARE SOLUTIONS, LLC | 3EN02 | 231,446,975.00 | 231.45 million | 53 |
Insight
Obligations in NAICS 524114 are highly concentrated: OPTUM PUBLIC SECTOR SOLUTIONS, INC. and TRIWEST HEALTHCARE ALLIANCE CORP. together account for about 33.0 billion of 43.55 billion in total obligations, or roughly 76% of the last full year’s spend. HUMANA GOVERNMENT BUSINESS, INC. is the third-largest vendor at 5.94 billion, while the remaining vendors each received less than 510 million, indicating a steep drop-off after the top three. Award activity is more distributed than dollars, with 1,813 awards overall and several vendors recording 20+ awards despite comparatively modest obligation totals.
Annual Trend
SELECT
year,
total_obligated,
award_count,
formatReadableQuantity(total_obligated) AS total_obligated_readable
FROM
(
SELECT
toYear(parseDateTimeBestEffortOrNull(content__award__relevantContractDates__signedDate)) AS year,
sum(content__award__dollarValues__obligatedAmount) AS total_obligated,
count() AS award_count
FROM fpds.data
WHERE
contract_type = 1
AND content__award__productOrServiceInformation__principalNAICSCode = '524114'
AND parseDateTimeBestEffortOrNull(content__award__relevantContractDates__signedDate) >= toStartOfYear(now()) - INTERVAL 1 YEAR
AND parseDateTimeBestEffortOrNull(content__award__relevantContractDates__signedDate) < toStartOfYear(now())
GROUP BY year
)
ORDER BY year DESC| Year | Total Obligated | Readable | Award Actions |
|---|---|---|---|
| 2025 | 43,547,251,337.84 | 43.55 billion | 1,813 |
Insight
For the last full year, NAICS 524114 recorded $43.55 billion in obligations across 1,813 awards, indicating a highly concentrated and high-dollar procurement profile. The average award value of $24.0 million suggests relatively large individual obligations rather than a broad distribution of small awards. With only one annual data point in this window, the available information supports a level-of-spend assessment but not a year-over-year trend comparison.
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