Insperity amends UnitedHealthcare deal; extends to 2028, adds $1M cap

Insperity (NSP) updated its health benefits arrangement with UnitedHealthcare.

Rhea-AI Filing Summary

Insperity (NSP) updated its health benefits arrangement with UnitedHealthcare. On November 3, 2025, a subsidiary signed an amendment that adds expected cost savings starting in 2026 and extends the arrangement through 2028.

The amendment lets Insperity annually choose to limit its responsibility for each participant’s claim costs to $500,000, $750,000, or $1,000,000 per year, revises certain administrative costs payable by the company, and adds volume-based incentives, subject to certain conditions. Other previously disclosed material terms remain unchanged.

Insperity also furnished a press release announcing financial and operating results for the quarter ended September 30, 2025; the release is provided as an exhibit.

Insights

Healthcare benefits & PEO contracts analyst

Extension to 2028 with claim-cost caps and incentive tweaks; neutral impact.

Insperity amended its UnitedHealthcare arrangement, extending it through 2028. The amendment introduces annual choices to cap per-participant claim responsibility at $500,000, $750,000, or $1,000,000. It also revises administrative fees and adds volume-based incentives, subject to conditions.

These terms formalize cost-containment levers and could temper large-claim volatility, while fee revisions and incentive mechanics may offset benefits depending on actual enrollment and claims mix. The filing states expected cost savings starting in 2026.

Actual impact depends on the company’s annual cap elections, realized claim severity, and whether volume thresholds are met; the excerpt does not provide figures. The company also furnished a press release for the quarter ended September 30, 2025.

8-K Event Classification

3 items: 1.01, 2.02, 9.01

3 items

Item 1.01 Entry into a Material Definitive Agreement Business

The company signed a significant contract such as a merger agreement, credit facility, or major partnership.

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did Insperity (NSP) announce in its 8-K?

Insperity amended its UnitedHealthcare arrangement to add expected cost savings starting in 2026, extend the term through 2028, and adjust cost and incentive terms.

How long is Insperity’s amended UnitedHealthcare arrangement effective?

The arrangement is extended through 2028.

What claim-cost options did Insperity gain under the amendment?

Insperity can annually elect per-participant claim caps of $500,000, $750,000, or $1,000,000 per year.

When do the expected cost savings from the amendment begin for Insperity (NSP)?

The amendment includes additional expected cost savings starting in 2026.

Were administrative fees or incentives changed?

Yes. The amendment revises certain administrative costs and adds volume-based incentives, subject to conditions.

Did Insperity report quarterly results with this filing?

Insperity furnished a press release with financial and operating results for the quarter ended September 30, 2025 as an exhibit.

Which exhibits were included in the 8-K?

Exhibit 10.1 is the letter agreement with UnitedHealthcare; Exhibit 99.1 is the press release; Exhibit 104 is the cover page Inline XBRL data.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 11/03/2025 - 04:45 PM Learn about SEC filing dates

0001000753FALSE00010007532025-11-032025-11-030001000753us-gaap:CommonStockMember2025-11-032025-11-03

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (date of earliest event reported): November 3, 2025

Insperity, Inc.

(Exact name of registrant as specified in its charter)

Delaware

1-13998

76-0479645

(State or other jurisdiction of incorporation)

(Commission File Number)

(I.R.S. Employer Identification No.)

19001 Crescent Springs Drive

Kingwood, Texas 77339

(Address of principal executive offices and zip code)

Registrant’s telephone number, including area code: (281) 358-8986

Securities registered pursuant to Section 12(b) of the Act:
Title of each class			Ticker symbol(s)			Name of each exchange on which registered
Common Stock, $.01 par value per share			NSP			New York Stock Exchange
						NYSE Texas

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under The Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under The Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

☐ Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 1.01. Entry into a Material Definitive Agreement.

On November 3, 2025, a subsidiary of Insperity, Inc. (the "Company") entered into an amendment to its arrangement with UnitedHealthcare related to its medical coverage (the “Amendment”). The Amendment includes additional expected cost savings starting in 2026 and extends the arrangement through 2028; provides the Company with the option to annually elect to limit its responsibility for each participant’s claim costs to $500,000, $750,000, or $1,000,000 per year; revises certain administrative costs payable by the Company; and adds additional volume-based incentives, subject to certain conditions. The other previously disclosed material items remain unchanged. The foregoing summary is qualified in its entirety by reference to the agreement, a copy of which is filed as Exhibit 10.1 to this Form 8-K and is incorporated in this Item 1.01 by reference.

A copy of the Company's press release announcing this amendment is attached as Exhibit 99.1.

Item 2.02. Results of Operations and Financial Condition.

On November 3, 2025, Insperity, Inc. issued a press release announcing the company’s financial and operating results for the quarter ended September 30, 2025. A copy of the press release is furnished as Exhibit 99.1 hereto and incorporated by reference. The information in Item 2.02 of this Current Report on Form 8-K, including Exhibit 99.1 attached hereto, is being furnished to the SEC and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section. This information shall not be deemed to be incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

Item 9.01. Financial Statements and Exhibits.

(d)Exhibits

10.1			(+)			Letter Agreement by and between Insperity Holdings, Inc. and UnitedHealthcare Insurance Company entered into as of November 3, 2025.
99.1			—			Press release regarding financial and operating results issued by Insperity, Inc. on November 3, 2025.
104						Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document.
			(+)			Certain portions of the exhibit have been omitted pursuant to Item 601(b)(10) of Regulation S-K. The omitted information is (i) not material and (ii) the type of information the Company treats as private or confidential.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

INSPERITY, INC.
By:			/s/ Christian P. Callens
			Christian P. Callens
			Senior Vice President of Legal, General Counsel & Secretary

Date: November 3, 2025