Health Plan
Cost Projector
Compare projected costs across five health insurance funding arrangements based on your company's demographics. Identify category-specific cost-containment strategies and see your Benefits Health Score.
Fully insured, level funded, or self funded: what the projector shows
Most groups default to a fully insured renewal every year without testing the alternatives. This projector lets you compare the three main funding models side by side using your own census and spend, so the choice is grounded in numbers rather than habit.
The right model usually tracks with size and claims stability. Fully insured tends to fit smaller or higher risk groups that want zero volatility. Level funding often becomes attractive once a group has roughly 25 or more enrolled employees and a reasonably healthy population. Self funding gives the most control and upside for larger or healthier groups, with stop loss insurance protecting against a bad claims year.
Once you have a funding direction, run a Premium Renewal Stress Test to see how each model holds up in a worst case year, or review your small business health plan options for context on coverage design.
What the projector compares:
- Fully insured: a fixed premium with zero volatility
- Level funded: a fixed monthly bill with surplus returned in good years
- Self funded with stop loss: the most control, with a capped downside
National benchmarks for employer premiums and funding trends are tracked in the KFF Employer Health Benefits Survey.
Frequently asked questions
When does level funding start to make sense?
As a rough guide, groups with about 25 or more enrolled employees and stable claims often see level funding pencil out, because the carrier can price the risk and return unused claims funds. Below that, fully insured is frequently the safer call.
What is stop loss and why does it matter?
Stop loss is insurance that caps your exposure on a self funded plan. Specific stop loss limits any one member's claims; aggregate stop loss limits total claims for the year. It is what lets a mid-size employer self fund without betting the budget on a healthy year.
Will my costs actually drop if I change funding models?
Sometimes, and sometimes the gain is stability rather than a lower headline number. Projecting all three models on your own data is the only reliable way to know.
State benchmarks behind the projector
These per-state figures were previously shown on 105 separate state calculator and projector pages, which now redirect here. They are Benefitra benchmark estimates used to scale the projector, not quotes or published averages; your own census and quotes decide your actual costs. Choose your state in step 1, or link straight to one with ?state=TX (any two-letter code).
Small-group size: California, Colorado, New York and Vermont define a small employer as 1 to 100 employees instead of the federal default of 1 to 50 (CMS state rating table). Marketplace: FFM = HealthCare.gov, SBM = state-based marketplace, SBM-FP = state-based on the federal platform.
Show all 50 states
| State | Cost index | Avg single premium | Avg family premium | Marketplace | Fully insured trend | Level-funded trend | Self-funded trend | PEO trend | PEO discount | Level-funded available | MEWA available |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Alabama | 0.87 | $626/mo | $1,775/mo | FFM | 8.0% | 5.0% | 5.0% | 4.0% | 15% | Yes | Yes |
| Alaska | 1.52 | $1,094/mo | $3,101/mo | FFM | 9.0% | 6.0% | 5.5% | 4.5% | 18% | Yes | Yes |
| Arizona | 0.93 | $670/mo | $1,897/mo | FFM | 8.0% | 5.0% | 4.8% | 3.8% | 14% | Yes | Yes |
| Arkansas | 0.84 | $605/mo | $1,714/mo | FFM | 7.7% | 4.8% | 4.6% | 3.8% | 15% | Yes | Yes |
| California | 1.15 | $828/mo | $2,346/mo | SBM | 8.5% | 5.5% | 5.0% | 4.0% | 13% | Yes | Yes |
| Colorado | 1.08 | $778/mo | $2,203/mo | SBM | 8.2% | 5.2% | 4.8% | 3.8% | 14% | Yes | Yes |
| Connecticut | 1.22 | $878/mo | $2,489/mo | SBM | 8.5% | 5.5% | 5.0% | 4.0% | 14% | Yes | Yes |
| Delaware | 1.10 | $792/mo | $2,244/mo | FFM | 8.2% | 5.2% | 4.8% | 4.0% | 15% | Yes | Yes |
| Florida | 0.98 | $706/mo | $1,999/mo | FFM | 8.0% | 5.0% | 4.8% | 3.8% | 14% | Yes | Yes |
| Georgia | 0.92 | $662/mo | $1,877/mo | FFM | 7.9% | 5.0% | 4.7% | 3.7% | 14% | Yes | Yes |
| Hawaii | 1.18 | $850/mo | $2,407/mo | SBM | 7.5% | 4.8% | 4.5% | 3.5% | 12% | Yes | No |
| Idaho | 0.88 | $634/mo | $1,795/mo | SBM | 7.8% | 5.0% | 4.7% | 3.7% | 15% | Yes | Yes |
| Illinois | 1.05 | $756/mo | $2,142/mo | FFM | 8.2% | 5.3% | 4.8% | 3.8% | 14% | Yes | Yes |
| Indiana | 0.95 | $684/mo | $1,938/mo | FFM | 7.9% | 5.0% | 4.7% | 3.7% | 14% | Yes | Yes |
| Iowa | 0.90 | $648/mo | $1,836/mo | FFM | 7.7% | 4.9% | 4.6% | 3.6% | 15% | Yes | Yes |
| Kansas | 0.91 | $655/mo | $1,856/mo | FFM | 7.8% | 5.0% | 4.7% | 3.7% | 15% | Yes | Yes |
| Kentucky | 0.89 | $641/mo | $1,816/mo | SBM | 7.9% | 5.0% | 4.7% | 3.8% | 15% | Yes | Yes |
| Louisiana | 0.93 | $670/mo | $1,897/mo | FFM | 8.0% | 5.0% | 4.8% | 3.8% | 15% | Yes | Yes |
| Maine | 1.08 | $778/mo | $2,203/mo | FFM | 8.2% | 5.3% | 5.0% | 4.0% | 15% | Yes | Yes |
| Maryland | 1.12 | $806/mo | $2,285/mo | SBM | 8.3% | 5.4% | 5.0% | 4.0% | 13% | Yes | Yes |
| Massachusetts | 1.28 | $922/mo | $2,611/mo | SBM | 8.5% | 5.5% | 5.0% | 4.0% | 12% | Yes | Yes |
| Michigan | 0.97 | $698/mo | $1,979/mo | FFM | 8.0% | 5.1% | 4.8% | 3.8% | 14% | Yes | Yes |
| Minnesota | 1.06 | $763/mo | $2,162/mo | SBM | 8.1% | 5.2% | 4.8% | 3.8% | 13% | Yes | Yes |
| Mississippi | 0.78 | $562/mo | $1,591/mo | FFM | 7.6% | 4.8% | 4.5% | 3.5% | 16% | Yes | Yes |
| Missouri | 0.92 | $662/mo | $1,877/mo | FFM | 7.9% | 5.0% | 4.7% | 3.7% | 14% | Yes | Yes |
| Montana | 1.02 | $734/mo | $2,081/mo | FFM | 8.0% | 5.1% | 4.8% | 3.8% | 15% | Yes | Yes |
| Nebraska | 0.93 | $670/mo | $1,897/mo | FFM | 7.8% | 5.0% | 4.7% | 3.7% | 15% | Yes | Yes |
| Nevada | 0.96 | $691/mo | $1,958/mo | SBM | 8.0% | 5.1% | 4.8% | 3.8% | 14% | Yes | Yes |
| New Hampshire | 1.10 | $792/mo | $2,244/mo | FFM | 8.2% | 5.3% | 5.0% | 4.0% | 14% | Yes | Yes |
| New Jersey | 1.25 | $900/mo | $2,550/mo | SBM | 8.5% | 5.5% | 5.0% | 4.0% | 13% | Yes | Yes |
| New Mexico | 0.90 | $648/mo | $1,836/mo | SBM | 7.9% | 5.0% | 4.7% | 3.7% | 15% | Yes | Yes |
| New York | 1.35 | $972/mo | $2,754/mo | SBM | 8.8% | 5.7% | 5.2% | 4.2% | 12% | Yes | Yes |
| North Carolina | 0.94 | $677/mo | $1,918/mo | FFM | 7.9% | 5.0% | 4.7% | 3.8% | 14% | Yes | Yes |
| North Dakota | 0.95 | $684/mo | $1,938/mo | FFM | 7.8% | 5.0% | 4.7% | 3.7% | 15% | Yes | Yes |
| Ohio | 0.94 | $677/mo | $1,918/mo | FFM | 7.9% | 5.0% | 4.7% | 3.7% | 14% | Yes | Yes |
| Oklahoma | 0.88 | $634/mo | $1,795/mo | FFM | 7.8% | 5.0% | 4.7% | 3.7% | 15% | Yes | Yes |
| Oregon | 1.05 | $756/mo | $2,142/mo | SBM | 8.1% | 5.2% | 4.8% | 3.8% | 14% | Yes | Yes |
| Pennsylvania | 1.05 | $756/mo | $2,142/mo | FFM | 8.1% | 5.2% | 4.8% | 3.8% | 14% | Yes | Yes |
| Rhode Island | 1.15 | $828/mo | $2,346/mo | SBM | 8.3% | 5.4% | 5.0% | 4.0% | 14% | Yes | Yes |
| South Carolina | 0.90 | $648/mo | $1,836/mo | FFM | 7.8% | 5.0% | 4.7% | 3.7% | 15% | Yes | Yes |
| South Dakota | 0.92 | $662/mo | $1,877/mo | FFM | 7.8% | 5.0% | 4.7% | 3.7% | 15% | Yes | Yes |
| Tennessee | 0.90 | $648/mo | $1,836/mo | FFM | 7.9% | 5.0% | 4.7% | 3.7% | 14% | Yes | Yes |
| Texas | 0.92 | $662/mo | $1,877/mo | FFM | 7.9% | 5.0% | 4.7% | 3.7% | 14% | Yes | Yes |
| Utah | 0.88 | $634/mo | $1,795/mo | FFM | 7.7% | 4.9% | 4.6% | 3.6% | 14% | Yes | Yes |
| Vermont | 1.18 | $850/mo | $2,407/mo | SBM | 8.3% | 5.4% | 5.0% | 4.0% | 14% | Yes | Yes |
| Virginia | 0.98 | $706/mo | $1,999/mo | FFM | 8.0% | 5.1% | 4.8% | 3.8% | 14% | Yes | Yes |
| Washington | 1.10 | $792/mo | $2,244/mo | SBM | 8.2% | 5.3% | 4.8% | 3.8% | 13% | Yes | Yes |
| West Virginia | 0.94 | $677/mo | $1,918/mo | FFM | 8.0% | 5.1% | 4.8% | 3.8% | 15% | Yes | Yes |
| Wisconsin | 0.98 | $706/mo | $1,999/mo | FFM | 8.0% | 5.1% | 4.8% | 3.8% | 14% | Yes | Yes |
| Wyoming | 1.05 | $756/mo | $2,142/mo | FFM | 8.0% | 5.1% | 4.8% | 3.8% | 16% | Yes | Yes |
Health plan cost benchmarks by state
These are the per-state benchmarks the projector starts from: a cost index, average single and family premiums, marketplace type, assumed trend rates for each funding arrangement, and whether level-funded and MEWA options are listed as available. Estimates are shown as estimates and are not quotes; confirm details with your carrier, plan administrator or state insurance department.
- Health insurance costs in Alabama
- Health insurance costs in Alaska
- Health insurance costs in Arizona
- Health insurance costs in Arkansas
- Health insurance costs in California
- Health insurance costs in Colorado
- Health insurance costs in Connecticut
- Health insurance costs in Delaware
- Health insurance costs in Florida
- Health insurance costs in Georgia
- Health insurance costs in Hawaii
- Health insurance costs in Idaho
- Health insurance costs in Illinois
- Health insurance costs in Indiana
- Health insurance costs in Iowa
- Health insurance costs in Kansas
- Health insurance costs in Kentucky
- Health insurance costs in Louisiana
- Health insurance costs in Maine
- Health insurance costs in Maryland
- Health insurance costs in Massachusetts
- Health insurance costs in Michigan
- Health insurance costs in Minnesota
- Health insurance costs in Mississippi
- Health insurance costs in Missouri
- Health insurance costs in Montana
- Health insurance costs in Nebraska
- Health insurance costs in Nevada
- Health insurance costs in New Hampshire
- Health insurance costs in New Jersey
- Health insurance costs in New Mexico
- Health insurance costs in New York
- Health insurance costs in North Carolina
- Health insurance costs in North Dakota
- Health insurance costs in Ohio
- Health insurance costs in Oklahoma
- Health insurance costs in Oregon
- Health insurance costs in Pennsylvania
- Health insurance costs in Rhode Island
- Health insurance costs in South Carolina
- Health insurance costs in South Dakota
- Health insurance costs in Tennessee
- Health insurance costs in Texas
- Health insurance costs in Utah
- Health insurance costs in Vermont
- Health insurance costs in Virginia
- Health insurance costs in Washington
- Health insurance costs in West Virginia
- Health insurance costs in Wisconsin
- Health insurance costs in Wyoming
Health insurance costs in Alabama
- Cost index: 0.87
- Avg single premium: $626/mo
- Avg family premium: $1,775/mo
- Marketplace: FFM
- Fully insured trend: 8.0%
- Level-funded trend: 5.0%
- Self-funded trend: 5.0%
- PEO trend: 4.0%
- PEO discount: 15%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Alaska
- Cost index: 1.52
- Avg single premium: $1,094/mo
- Avg family premium: $3,101/mo
- Marketplace: FFM
- Fully insured trend: 9.0%
- Level-funded trend: 6.0%
- Self-funded trend: 5.5%
- PEO trend: 4.5%
- PEO discount: 18%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Arizona
- Cost index: 0.93
- Avg single premium: $670/mo
- Avg family premium: $1,897/mo
- Marketplace: FFM
- Fully insured trend: 8.0%
- Level-funded trend: 5.0%
- Self-funded trend: 4.8%
- PEO trend: 3.8%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Arkansas
- Cost index: 0.84
- Avg single premium: $605/mo
- Avg family premium: $1,714/mo
- Marketplace: FFM
- Fully insured trend: 7.7%
- Level-funded trend: 4.8%
- Self-funded trend: 4.6%
- PEO trend: 3.8%
- PEO discount: 15%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in California
- Cost index: 1.15
- Avg single premium: $828/mo
- Avg family premium: $2,346/mo
- Marketplace: SBM
- Fully insured trend: 8.5%
- Level-funded trend: 5.5%
- Self-funded trend: 5.0%
- PEO trend: 4.0%
- PEO discount: 13%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Colorado
- Cost index: 1.08
- Avg single premium: $778/mo
- Avg family premium: $2,203/mo
- Marketplace: SBM
- Fully insured trend: 8.2%
- Level-funded trend: 5.2%
- Self-funded trend: 4.8%
- PEO trend: 3.8%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Connecticut
- Cost index: 1.22
- Avg single premium: $878/mo
- Avg family premium: $2,489/mo
- Marketplace: SBM
- Fully insured trend: 8.5%
- Level-funded trend: 5.5%
- Self-funded trend: 5.0%
- PEO trend: 4.0%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Delaware
- Cost index: 1.10
- Avg single premium: $792/mo
- Avg family premium: $2,244/mo
- Marketplace: FFM
- Fully insured trend: 8.2%
- Level-funded trend: 5.2%
- Self-funded trend: 4.8%
- PEO trend: 4.0%
- PEO discount: 15%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Florida
- Cost index: 0.98
- Avg single premium: $706/mo
- Avg family premium: $1,999/mo
- Marketplace: FFM
- Fully insured trend: 8.0%
- Level-funded trend: 5.0%
- Self-funded trend: 4.8%
- PEO trend: 3.8%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Georgia
- Cost index: 0.92
- Avg single premium: $662/mo
- Avg family premium: $1,877/mo
- Marketplace: FFM
- Fully insured trend: 7.9%
- Level-funded trend: 5.0%
- Self-funded trend: 4.7%
- PEO trend: 3.7%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Hawaii
- Cost index: 1.18
- Avg single premium: $850/mo
- Avg family premium: $2,407/mo
- Marketplace: SBM
- Fully insured trend: 7.5%
- Level-funded trend: 4.8%
- Self-funded trend: 4.5%
- PEO trend: 3.5%
- PEO discount: 12%
- Level-funded available: Yes
- MEWA available: No
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Idaho
- Cost index: 0.88
- Avg single premium: $634/mo
- Avg family premium: $1,795/mo
- Marketplace: SBM
- Fully insured trend: 7.8%
- Level-funded trend: 5.0%
- Self-funded trend: 4.7%
- PEO trend: 3.7%
- PEO discount: 15%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Illinois
- Cost index: 1.05
- Avg single premium: $756/mo
- Avg family premium: $2,142/mo
- Marketplace: FFM
- Fully insured trend: 8.2%
- Level-funded trend: 5.3%
- Self-funded trend: 4.8%
- PEO trend: 3.8%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Indiana
- Cost index: 0.95
- Avg single premium: $684/mo
- Avg family premium: $1,938/mo
- Marketplace: FFM
- Fully insured trend: 7.9%
- Level-funded trend: 5.0%
- Self-funded trend: 4.7%
- PEO trend: 3.7%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Iowa
- Cost index: 0.90
- Avg single premium: $648/mo
- Avg family premium: $1,836/mo
- Marketplace: FFM
- Fully insured trend: 7.7%
- Level-funded trend: 4.9%
- Self-funded trend: 4.6%
- PEO trend: 3.6%
- PEO discount: 15%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Kansas
- Cost index: 0.91
- Avg single premium: $655/mo
- Avg family premium: $1,856/mo
- Marketplace: FFM
- Fully insured trend: 7.8%
- Level-funded trend: 5.0%
- Self-funded trend: 4.7%
- PEO trend: 3.7%
- PEO discount: 15%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Kentucky
- Cost index: 0.89
- Avg single premium: $641/mo
- Avg family premium: $1,816/mo
- Marketplace: SBM
- Fully insured trend: 7.9%
- Level-funded trend: 5.0%
- Self-funded trend: 4.7%
- PEO trend: 3.8%
- PEO discount: 15%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Louisiana
- Cost index: 0.93
- Avg single premium: $670/mo
- Avg family premium: $1,897/mo
- Marketplace: FFM
- Fully insured trend: 8.0%
- Level-funded trend: 5.0%
- Self-funded trend: 4.8%
- PEO trend: 3.8%
- PEO discount: 15%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Maine
- Cost index: 1.08
- Avg single premium: $778/mo
- Avg family premium: $2,203/mo
- Marketplace: FFM
- Fully insured trend: 8.2%
- Level-funded trend: 5.3%
- Self-funded trend: 5.0%
- PEO trend: 4.0%
- PEO discount: 15%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Maryland
- Cost index: 1.12
- Avg single premium: $806/mo
- Avg family premium: $2,285/mo
- Marketplace: SBM
- Fully insured trend: 8.3%
- Level-funded trend: 5.4%
- Self-funded trend: 5.0%
- PEO trend: 4.0%
- PEO discount: 13%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Massachusetts
- Cost index: 1.28
- Avg single premium: $922/mo
- Avg family premium: $2,611/mo
- Marketplace: SBM
- Fully insured trend: 8.5%
- Level-funded trend: 5.5%
- Self-funded trend: 5.0%
- PEO trend: 4.0%
- PEO discount: 12%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Michigan
- Cost index: 0.97
- Avg single premium: $698/mo
- Avg family premium: $1,979/mo
- Marketplace: FFM
- Fully insured trend: 8.0%
- Level-funded trend: 5.1%
- Self-funded trend: 4.8%
- PEO trend: 3.8%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Minnesota
- Cost index: 1.06
- Avg single premium: $763/mo
- Avg family premium: $2,162/mo
- Marketplace: SBM
- Fully insured trend: 8.1%
- Level-funded trend: 5.2%
- Self-funded trend: 4.8%
- PEO trend: 3.8%
- PEO discount: 13%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Mississippi
- Cost index: 0.78
- Avg single premium: $562/mo
- Avg family premium: $1,591/mo
- Marketplace: FFM
- Fully insured trend: 7.6%
- Level-funded trend: 4.8%
- Self-funded trend: 4.5%
- PEO trend: 3.5%
- PEO discount: 16%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Missouri
- Cost index: 0.92
- Avg single premium: $662/mo
- Avg family premium: $1,877/mo
- Marketplace: FFM
- Fully insured trend: 7.9%
- Level-funded trend: 5.0%
- Self-funded trend: 4.7%
- PEO trend: 3.7%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Montana
- Cost index: 1.02
- Avg single premium: $734/mo
- Avg family premium: $2,081/mo
- Marketplace: FFM
- Fully insured trend: 8.0%
- Level-funded trend: 5.1%
- Self-funded trend: 4.8%
- PEO trend: 3.8%
- PEO discount: 15%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Nebraska
- Cost index: 0.93
- Avg single premium: $670/mo
- Avg family premium: $1,897/mo
- Marketplace: FFM
- Fully insured trend: 7.8%
- Level-funded trend: 5.0%
- Self-funded trend: 4.7%
- PEO trend: 3.7%
- PEO discount: 15%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Nevada
- Cost index: 0.96
- Avg single premium: $691/mo
- Avg family premium: $1,958/mo
- Marketplace: SBM
- Fully insured trend: 8.0%
- Level-funded trend: 5.1%
- Self-funded trend: 4.8%
- PEO trend: 3.8%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in New Hampshire
- Cost index: 1.10
- Avg single premium: $792/mo
- Avg family premium: $2,244/mo
- Marketplace: FFM
- Fully insured trend: 8.2%
- Level-funded trend: 5.3%
- Self-funded trend: 5.0%
- PEO trend: 4.0%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in New Jersey
- Cost index: 1.25
- Avg single premium: $900/mo
- Avg family premium: $2,550/mo
- Marketplace: SBM
- Fully insured trend: 8.5%
- Level-funded trend: 5.5%
- Self-funded trend: 5.0%
- PEO trend: 4.0%
- PEO discount: 13%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in New Mexico
- Cost index: 0.90
- Avg single premium: $648/mo
- Avg family premium: $1,836/mo
- Marketplace: SBM
- Fully insured trend: 7.9%
- Level-funded trend: 5.0%
- Self-funded trend: 4.7%
- PEO trend: 3.7%
- PEO discount: 15%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in New York
- Cost index: 1.35
- Avg single premium: $972/mo
- Avg family premium: $2,754/mo
- Marketplace: SBM
- Fully insured trend: 8.8%
- Level-funded trend: 5.7%
- Self-funded trend: 5.2%
- PEO trend: 4.2%
- PEO discount: 12%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in North Carolina
- Cost index: 0.94
- Avg single premium: $677/mo
- Avg family premium: $1,918/mo
- Marketplace: FFM
- Fully insured trend: 7.9%
- Level-funded trend: 5.0%
- Self-funded trend: 4.7%
- PEO trend: 3.8%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in North Dakota
- Cost index: 0.95
- Avg single premium: $684/mo
- Avg family premium: $1,938/mo
- Marketplace: FFM
- Fully insured trend: 7.8%
- Level-funded trend: 5.0%
- Self-funded trend: 4.7%
- PEO trend: 3.7%
- PEO discount: 15%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Ohio
- Cost index: 0.94
- Avg single premium: $677/mo
- Avg family premium: $1,918/mo
- Marketplace: FFM
- Fully insured trend: 7.9%
- Level-funded trend: 5.0%
- Self-funded trend: 4.7%
- PEO trend: 3.7%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Oklahoma
- Cost index: 0.88
- Avg single premium: $634/mo
- Avg family premium: $1,795/mo
- Marketplace: FFM
- Fully insured trend: 7.8%
- Level-funded trend: 5.0%
- Self-funded trend: 4.7%
- PEO trend: 3.7%
- PEO discount: 15%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Oregon
- Cost index: 1.05
- Avg single premium: $756/mo
- Avg family premium: $2,142/mo
- Marketplace: SBM
- Fully insured trend: 8.1%
- Level-funded trend: 5.2%
- Self-funded trend: 4.8%
- PEO trend: 3.8%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Pennsylvania
- Cost index: 1.05
- Avg single premium: $756/mo
- Avg family premium: $2,142/mo
- Marketplace: FFM
- Fully insured trend: 8.1%
- Level-funded trend: 5.2%
- Self-funded trend: 4.8%
- PEO trend: 3.8%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Rhode Island
- Cost index: 1.15
- Avg single premium: $828/mo
- Avg family premium: $2,346/mo
- Marketplace: SBM
- Fully insured trend: 8.3%
- Level-funded trend: 5.4%
- Self-funded trend: 5.0%
- PEO trend: 4.0%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in South Carolina
- Cost index: 0.90
- Avg single premium: $648/mo
- Avg family premium: $1,836/mo
- Marketplace: FFM
- Fully insured trend: 7.8%
- Level-funded trend: 5.0%
- Self-funded trend: 4.7%
- PEO trend: 3.7%
- PEO discount: 15%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in South Dakota
- Cost index: 0.92
- Avg single premium: $662/mo
- Avg family premium: $1,877/mo
- Marketplace: FFM
- Fully insured trend: 7.8%
- Level-funded trend: 5.0%
- Self-funded trend: 4.7%
- PEO trend: 3.7%
- PEO discount: 15%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Tennessee
- Cost index: 0.90
- Avg single premium: $648/mo
- Avg family premium: $1,836/mo
- Marketplace: FFM
- Fully insured trend: 7.9%
- Level-funded trend: 5.0%
- Self-funded trend: 4.7%
- PEO trend: 3.7%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Texas
- Cost index: 0.92
- Avg single premium: $662/mo
- Avg family premium: $1,877/mo
- Marketplace: FFM
- Fully insured trend: 7.9%
- Level-funded trend: 5.0%
- Self-funded trend: 4.7%
- PEO trend: 3.7%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Utah
- Cost index: 0.88
- Avg single premium: $634/mo
- Avg family premium: $1,795/mo
- Marketplace: FFM
- Fully insured trend: 7.7%
- Level-funded trend: 4.9%
- Self-funded trend: 4.6%
- PEO trend: 3.6%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Vermont
- Cost index: 1.18
- Avg single premium: $850/mo
- Avg family premium: $2,407/mo
- Marketplace: SBM
- Fully insured trend: 8.3%
- Level-funded trend: 5.4%
- Self-funded trend: 5.0%
- PEO trend: 4.0%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Virginia
- Cost index: 0.98
- Avg single premium: $706/mo
- Avg family premium: $1,999/mo
- Marketplace: FFM
- Fully insured trend: 8.0%
- Level-funded trend: 5.1%
- Self-funded trend: 4.8%
- PEO trend: 3.8%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Washington
- Cost index: 1.10
- Avg single premium: $792/mo
- Avg family premium: $2,244/mo
- Marketplace: SBM
- Fully insured trend: 8.2%
- Level-funded trend: 5.3%
- Self-funded trend: 4.8%
- PEO trend: 3.8%
- PEO discount: 13%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in West Virginia
- Cost index: 0.94
- Avg single premium: $677/mo
- Avg family premium: $1,918/mo
- Marketplace: FFM
- Fully insured trend: 8.0%
- Level-funded trend: 5.1%
- Self-funded trend: 4.8%
- PEO trend: 3.8%
- PEO discount: 15%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Wisconsin
- Cost index: 0.98
- Avg single premium: $706/mo
- Avg family premium: $1,999/mo
- Marketplace: FFM
- Fully insured trend: 8.0%
- Level-funded trend: 5.1%
- Self-funded trend: 4.8%
- PEO trend: 3.8%
- PEO discount: 14%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.
Health insurance costs in Wyoming
- Cost index: 1.05
- Avg single premium: $756/mo
- Avg family premium: $2,142/mo
- Marketplace: FFM
- Fully insured trend: 8.0%
- Level-funded trend: 5.1%
- Self-funded trend: 4.8%
- PEO trend: 3.8%
- PEO discount: 16%
- Level-funded available: Yes
- MEWA available: Yes
Benchmarks are planning assumptions, not quotes.