PEO 89% chance of beating Fully Insured
$144,136
median five-year savings
+15% expected savings
5th−$75,02725th$74,660 75th$190,27995th$231,769
Alaska Health-Plan Funding Guide
Alaska 2026 funding analysis (archived)
Plan year 2026 · archived results View the Alaska 2027 analysis
Compare your options based on what matters most: Year 1 cost, five-year savings, and the likelihood of outperforming Fully Insured.
10 Employees
AK 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Alaska market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO89%
Level-Funded68%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $144,136
Level-Funded $76,392
Taft-Hartley $249,528
5th to 95th percentile 25th to 75th Median
Level-Funded 68% chance of beating Fully Insured
$76,392
median five-year savings
+0% expected savings
5th−$419,12025th−$54,342 75th$131,83695th$165,826
With additional cost containment: $196K to $356K more potential savings; win rate rises to ~90%.
Taft-Hartley 100% chance of beating Fully Insured
$249,528
median five-year savings
+31% expected savings
5th$214,21625th$235,537 75th$265,26195th$288,875
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,230 per employee/month is the baseline. Every savings figure above is measured against it.$0 saved
Day-one and five-year context
Lowest modeled day-one costTaft-Hartley · ~29% cheaper
Highest modeled five-year medianTaft-Hartley · $249,528
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 10 enrolled employees. Actual quotes and underwriting can materially change results.
30 Employees
AK 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Alaska market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO89%
Level-Funded84%
Self-Funded Captive84%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $432,408
Level-Funded $471,239
Self-Funded Captive $370,456
Taft-Hartley $748,584
5th to 95th percentile 25th to 75th Median
PEO 89% chance of beating Fully Insured
$432,408
median five-year savings
+15% expected savings
5th−$225,08225th$223,981 75th$570,83695th$695,308
Level-Funded 84% chance of beating Fully Insured
$471,239
median five-year savings
+13% expected savings
5th−$629,55325th$187,753 75th$593,60695th$693,973
With additional cost containment: $501K to $795K more potential savings; win rate rises to ~97%.
Self-Funded Captive 84% chance of beating Fully Insured
$370,456
median five-year savings
+11% expected savings
5th−$422,26225th$144,255 75th$507,54495th$632,675
With additional cost containment: $524K to $739K more potential savings; win rate rises to ~98%.
Taft-Hartley 100% chance of beating Fully Insured
$748,584
median five-year savings
+31% expected savings
5th$642,64825th$706,610 75th$795,78495th$866,625
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,230 per employee/month is the baseline. Every savings figure above is measured against it.$0 saved
Day-one and five-year context
Lowest modeled day-one costTaft-Hartley · ~29% cheaper
Highest modeled five-year medianTaft-Hartley · $748,584
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 30 enrolled employees. Actual quotes and underwriting can materially change results.
70 Employees
AK 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Alaska market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO50%
Level-Funded86%
Self-Funded Captive96%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $3,168
Level-Funded $470,575
Self-Funded Captive $628,422
Taft-Hartley $2,139,458
5th to 95th percentile 25th to 75th Median
PEO 50% chance of beating Fully Insured
$3,168
median five-year savings
+0% expected savings
5th−$2,039,86025th−$686,066 75th$904,84795th$2,998,047
Level-Funded 86% chance of beating Fully Insured
$470,575
median five-year savings
+11% expected savings
5th−$400,67925th$172,334 75th$1,070,71095th$2,916,017
With additional cost containment: $1.37M to $2.00M more potential savings; win rate rises to ~100%.
Self-Funded Captive 96% chance of beating Fully Insured
$628,422
median five-year savings
+14% expected savings
5th$45,75125th$317,278 75th$1,217,46295th$3,197,022
With additional cost containment: $1.34M to $1.77M more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$2,139,458
median five-year savings
+37% expected savings
5th$1,148,27525th$1,623,776 75th$3,008,29195th$5,165,665
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,230 per employee/month is the baseline. Every savings figure above is measured against it.$0 saved
Day-one and five-year context
Lowest modeled day-one costTaft-Hartley · ~29% cheaper
Highest modeled five-year medianTaft-Hartley · $2,139,458
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 70 enrolled employees. Actual quotes and underwriting can materially change results.
150 Employees
AK 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Alaska market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO43%
Self-Funded93%
Self-Funded Captive100%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO −$456,251
Self-Funded $1,672,043
Self-Funded Captive $1,559,165
Taft-Hartley $4,757,002
5th to 95th percentile 25th to 75th Median
PEO 43% chance of beating Fully Insured
−$456,251
median five-year savings
-5% expected savings
5th−$5,233,12825th−$2,164,346 75th$1,505,37595th$6,619,738
Self-Funded 93% chance of beating Fully Insured
$1,672,043
median five-year savings
+15% expected savings
5th−$283,34525th$926,785 75th$2,792,09795th$6,462,642
With additional cost containment: $2.85M to $4.38M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,559,165
median five-year savings
+15% expected savings
5th$326,30825th$905,783 75th$2,803,55095th$6,662,071
With additional cost containment: $2.90M to $3.84M more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$4,757,002
median five-year savings
+38% expected savings
5th$2,247,49225th$3,493,643 75th$6,762,49495th$11,697,714
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,230 per employee/month is the baseline. Every savings figure above is measured against it.$0 saved
Day-one and five-year context
Lowest modeled day-one costTaft-Hartley · ~29% cheaper
Highest modeled five-year medianTaft-Hartley · $4,757,002
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 150 enrolled employees. Actual quotes and underwriting can materially change results.
250 Employees
AK 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Alaska market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO37%
Self-Funded97%
Self-Funded Captive100%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,649,735
Self-Funded $3,007,405
Self-Funded Captive $2,932,332
Taft-Hartley $8,099,925
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$1,649,735
median five-year savings
-9% expected savings
5th−$10,168,82125th−$4,737,816 75th$1,969,02795th$10,126,022
Self-Funded 97% chance of beating Fully Insured
$3,007,405
median five-year savings
+16% expected savings
5th$469,63425th$1,909,540 75th$4,909,81395th$10,280,164
With additional cost containment: $4.73M to $7.16M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,932,332
median five-year savings
+16% expected savings
5th$703,74125th$1,762,876 75th$4,993,44695th$10,574,521
With additional cost containment: $4.85M to $6.37M more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$8,099,925
median five-year savings
+38% expected savings
5th$3,636,09525th$5,828,057 75th$11,379,20795th$19,223,618
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,230 per employee/month is the baseline. Every savings figure above is measured against it.$0 saved
Day-one and five-year context
Lowest modeled day-one costTaft-Hartley · ~29% cheaper
Highest modeled five-year medianTaft-Hartley · $8,099,925
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 250 enrolled employees. Actual quotes and underwriting can materially change results.
500 Employees
AK 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Alaska market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO34%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,339,772
Self-Funded $5,831,821
Self-Funded Captive $5,402,112
Taft-Hartley $16,173,948
5th to 95th percentile 25th to 75th Median
PEO 34% chance of beating Fully Insured
−$3,339,772
median five-year savings
-10% expected savings
5th−$20,245,57125th−$8,883,704 75th$2,390,66995th$15,836,466
Self-Funded 99% chance of beating Fully Insured
$5,831,821
median five-year savings
+16% expected savings
5th$1,341,82525th$3,601,561 75th$9,487,22795th$20,148,815
With additional cost containment: $9.53M to $12.49M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$5,402,112
median five-year savings
+15% expected savings
5th$1,300,43425th$3,248,949 75th$9,156,40995th$20,068,714
With additional cost containment: $9.70M to $11.77M more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$16,173,948
median five-year savings
+38% expected savings
5th$8,531,50925th$12,233,021 75th$21,391,12795th$33,759,820
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,230 per employee/month is the baseline. Every savings figure above is measured against it.$0 saved
Day-one and five-year context
Lowest modeled day-one costTaft-Hartley · ~29% cheaper
Highest modeled five-year medianTaft-Hartley · $16,173,948
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 500 enrolled employees. Actual quotes and underwriting can materially change results.
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