PEO 93% chance of beating Fully Insured
$114,248
median five-year savings
+19% expected savings
5th−$21,66125th$70,522 75th$143,04195th$169,014
Arizona Health-Plan Funding Guide
Arizona 2026 funding analysis (archived)
Plan year 2026 · archived results View the Arizona 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
AZ 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Arizona market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded78%
Taft-Hartley3%
Five-year median and percentile savings vs staying Fully Insured
PEO $114,248
Level-Funded $92,957
Taft-Hartley −$30,817
5th to 95th percentile 25th to 75th Median
Level-Funded 78% chance of beating Fully Insured
$92,957
median five-year savings
+9% expected savings
5th−$197,25725th$15,147 75th$124,80795th$144,551
With additional cost containment: $117K to $210K more potential savings; win rate rises to ~95%.
Taft-Hartley 3% chance of beating Fully Insured
−$30,817
median five-year savings
-6% expected savings
5th−$53,99525th−$39,878 75th−$20,33195th−$4,496
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$765 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 costPEO · ~28% cheaper
Highest modeled five-year medianPEO · $114,248
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
AZ 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Arizona market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded89%
Self-Funded Captive92%
Taft-Hartley3%
Five-year median and percentile savings vs staying Fully Insured
PEO $342,745
Level-Funded $420,533
Self-Funded Captive $384,961
Taft-Hartley −$92,452
5th to 95th percentile 25th to 75th Median
PEO 93% chance of beating Fully Insured
$342,745
median five-year savings
+19% expected savings
5th−$64,98425th$211,566 75th$429,12395th$507,043
Level-Funded 89% chance of beating Fully Insured
$420,533
median five-year savings
+21% expected savings
5th−$228,85925th$256,055 75th$492,75295th$551,393
With additional cost containment: $297K to $470K more potential savings; win rate rises to ~99%.
Self-Funded Captive 92% chance of beating Fully Insured
$384,961
median five-year savings
+21% expected savings
5th−$94,59625th$250,185 75th$465,17095th$539,126
With additional cost containment: $304K to $435K more potential savings; win rate rises to ~99%.
Taft-Hartley 3% chance of beating Fully Insured
−$92,452
median five-year savings
-6% expected savings
5th−$161,98625th−$119,633 75th−$60,99395th−$13,487
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$765 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 costPEO · ~28% cheaper
Highest modeled five-year medianLevel-Funded · $420,533
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
AZ 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Arizona market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO42%
Level-Funded92%
Self-Funded Captive100%
Taft-Hartley31%
Five-year median and percentile savings vs staying Fully Insured
PEO −$134,569
Level-Funded $327,034
Self-Funded Captive $469,995
Taft-Hartley −$288,634
5th to 95th percentile 25th to 75th Median
PEO 42% chance of beating Fully Insured
−$134,569
median five-year savings
-5% expected savings
5th−$1,372,57425th−$550,640 75th$330,44895th$1,385,363
Level-Funded 92% chance of beating Fully Insured
$327,034
median five-year savings
+11% expected savings
5th−$131,54925th$183,382 75th$573,24295th$1,364,047
With additional cost containment: $807K to $1.19M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$469,995
median five-year savings
+15% expected savings
5th$194,29125th$326,266 75th$722,26895th$1,528,169
With additional cost containment: $780K to $1.03M more potential savings; win rate rises to ~100%.
Taft-Hartley 31% chance of beating Fully Insured
−$288,634
median five-year savings
-5% expected savings
5th−$810,59025th−$561,590 75th$146,70795th$1,167,822
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$765 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 costSelf-Funded Captive · ~11% cheaper
Highest modeled five-year medianSelf-Funded Captive · $469,995
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
AZ 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Arizona market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO35%
Self-Funded96%
Self-Funded Captive100%
Taft-Hartley33%
Five-year median and percentile savings vs staying Fully Insured
PEO −$596,502
Self-Funded $1,070,506
Self-Funded Captive $1,119,887
Taft-Hartley −$536,998
5th to 95th percentile 25th to 75th Median
PEO 35% chance of beating Fully Insured
−$596,502
median five-year savings
-9% expected savings
5th−$3,508,74825th−$1,606,887 75th$476,54295th$3,003,221
Self-Funded 96% chance of beating Fully Insured
$1,070,506
median five-year savings
+15% expected savings
5th$88,04525th$723,916 75th$1,547,72895th$3,037,737
With additional cost containment: $1.69M to $2.59M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,119,887
median five-year savings
+16% expected savings
5th$550,99925th$813,752 75th$1,648,64195th$3,290,751
With additional cost containment: $1.69M to $2.24M more potential savings; win rate rises to ~100%.
Taft-Hartley 33% chance of beating Fully Insured
−$536,998
median five-year savings
-5% expected savings
5th−$1,904,48225th−$1,216,723 75th$509,97995th$2,880,283
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$765 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 costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $1,119,887
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
AZ 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Arizona market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO29%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley37%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,595,288
Self-Funded $1,892,554
Self-Funded Captive $2,011,175
Taft-Hartley −$844,306
5th to 95th percentile 25th to 75th Median
PEO 29% chance of beating Fully Insured
−$1,595,288
median five-year savings
-14% expected savings
5th−$6,795,58525th−$3,387,654 75th$382,93595th$4,638,574
Self-Funded 99% chance of beating Fully Insured
$1,892,554
median five-year savings
+16% expected savings
5th$726,35025th$1,391,201 75th$2,730,37095th$4,909,636
With additional cost containment: $2.80M to $4.23M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,011,175
median five-year savings
+17% expected savings
5th$988,34825th$1,463,984 75th$2,944,38295th$5,495,695
With additional cost containment: $2.82M to $3.74M more potential savings; win rate rises to ~100%.
Taft-Hartley 37% chance of beating Fully Insured
−$844,306
median five-year savings
-5% expected savings
5th−$3,227,26825th−$2,048,971 75th$939,75695th$5,186,625
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$765 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 costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $2,011,175
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
AZ 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Arizona market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO26%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley33%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,154,836
Self-Funded $3,652,147
Self-Funded Captive $3,809,894
Taft-Hartley −$1,625,278
5th to 95th percentile 25th to 75th Median
PEO 26% chance of beating Fully Insured
−$3,154,836
median five-year savings
-15% expected savings
5th−$13,498,99025th−$6,417,307 75th$123,13995th$6,321,798
Self-Funded 100% chance of beating Fully Insured
$3,652,147
median five-year savings
+16% expected savings
5th$1,638,01625th$2,674,950 75th$5,280,24995th$9,591,745
With additional cost containment: $5.66M to $7.37M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,809,894
median five-year savings
+16% expected savings
5th$1,893,35925th$2,799,521 75th$5,478,47195th$9,951,152
With additional cost containment: $5.66M to $6.86M more potential savings; win rate rises to ~100%.
Taft-Hartley 33% chance of beating Fully Insured
−$1,625,278
median five-year savings
-5% expected savings
5th−$5,742,39625th−$3,725,980 75th$1,165,24295th$7,263,918
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$765 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 costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $3,809,894
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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