PEO 89% chance of beating Fully Insured
$82,590
median five-year savings
+15% expected savings
5th−$38,84325th$43,960 75th$108,07895th$131,164
Arkansas Health-Plan Funding Guide
Arkansas 2026 funding analysis (archived)
Plan year 2026 · archived results View the Arkansas 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
AR 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Arkansas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO89%
Level-Funded75%
Taft-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $82,590
Level-Funded $67,037
Taft-Hartley −$107,177
5th to 95th percentile 25th to 75th Median
Level-Funded 75% chance of beating Fully Insured
$67,037
median five-year savings
+6% expected savings
5th−$189,47725th−$1,474 75th$95,00095th$112,455
With additional cost containment: $104K to $185K more potential savings; win rate rises to ~93%.
Taft-Hartley 0% chance of beating Fully Insured
−$107,177
median five-year savings
-24% expected savings
5th−$127,31225th−$115,072 75th−$98,02895th−$84,171
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$681 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 · $82,590
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
AR 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Arkansas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO89%
Level-Funded88%
Self-Funded Captive90%
Taft-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $247,769
Level-Funded $326,604
Self-Funded Captive $301,364
Taft-Hartley −$321,530
5th to 95th percentile 25th to 75th Median
PEO 89% chance of beating Fully Insured
$247,769
median five-year savings
+15% expected savings
5th−$116,52925th$131,881 75th$324,23495th$393,492
Level-Funded 88% chance of beating Fully Insured
$326,604
median five-year savings
+18% expected savings
5th−$247,03325th$181,862 75th$389,90995th$442,163
With additional cost containment: $262K to $415K more potential savings; win rate rises to ~99%.
Self-Funded Captive 90% chance of beating Fully Insured
$301,364
median five-year savings
+18% expected savings
5th−$122,70825th$181,973 75th$372,25795th$437,329
With additional cost containment: $267K to $383K more potential savings; win rate rises to ~99%.
Taft-Hartley 0% chance of beating Fully Insured
−$321,530
median five-year savings
-24% expected savings
5th−$381,93625th−$345,217 75th−$294,08595th−$252,514
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$681 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 · $326,604
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
AR 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Arkansas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO40%
Level-Funded92%
Self-Funded Captive100%
Taft-Hartley13%
Five-year median and percentile savings vs staying Fully Insured
PEO −$147,272
Level-Funded $293,735
Self-Funded Captive $435,839
Taft-Hartley −$712,395
5th to 95th percentile 25th to 75th Median
PEO 40% chance of beating Fully Insured
−$147,272
median five-year savings
-6% expected savings
5th−$1,244,11725th−$507,940 75th$257,86595th$1,141,272
Level-Funded 92% chance of beating Fully Insured
$293,735
median five-year savings
+11% expected savings
5th−$99,63825th$178,008 75th$497,89795th$1,150,176
With additional cost containment: $713K to $1.05M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$435,839
median five-year savings
+16% expected savings
5th$209,04325th$318,231 75th$641,93495th$1,300,626
With additional cost containment: $684K to $910K more potential savings; win rate rises to ~100%.
Taft-Hartley 13% chance of beating Fully Insured
−$712,395
median five-year savings
-19% expected savings
5th−$1,155,94025th−$940,778 75th−$336,22895th$554,591
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$681 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 · $435,839
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
AR 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Arkansas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO33%
Self-Funded96%
Self-Funded Captive100%
Taft-Hartley16%
Five-year median and percentile savings vs staying Fully Insured
PEO −$593,016
Self-Funded $961,029
Self-Funded Captive $1,035,347
Taft-Hartley −$1,446,208
5th to 95th percentile 25th to 75th Median
PEO 33% chance of beating Fully Insured
−$593,016
median five-year savings
-10% expected savings
5th−$3,174,07625th−$1,486,117 75th$341,54095th$2,543,063
Self-Funded 96% chance of beating Fully Insured
$961,029
median five-year savings
+15% expected savings
5th$125,59025th$671,743 75th$1,354,44995th$2,545,629
With additional cost containment: $1.49M to $2.28M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,035,347
median five-year savings
+17% expected savings
5th$560,16825th$780,439 75th$1,475,89795th$2,816,980
With additional cost containment: $1.48M to $1.97M more potential savings; win rate rises to ~100%.
Taft-Hartley 16% chance of beating Fully Insured
−$1,446,208
median five-year savings
-19% expected savings
5th−$2,637,80425th−$2,035,628 75th−$558,01695th$1,497,311
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$681 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 · $1,035,347
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
AR 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Arkansas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO27%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley18%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,524,548
Self-Funded $1,693,433
Self-Funded Captive $1,842,991
Taft-Hartley −$2,378,096
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$1,524,548
median five-year savings
-15% expected savings
5th−$6,106,66625th−$3,120,442 75th$184,10395th$3,903,591
Self-Funded 99% chance of beating Fully Insured
$1,693,433
median five-year savings
+16% expected savings
5th$719,41025th$1,278,687 75th$2,369,65895th$4,123,834
With additional cost containment: $2.47M to $3.73M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,842,991
median five-year savings
+18% expected savings
5th$987,60925th$1,386,295 75th$2,630,53195th$4,750,651
With additional cost containment: $2.48M to $3.29M more potential savings; win rate rises to ~100%.
Taft-Hartley 18% chance of beating Fully Insured
−$2,378,096
median five-year savings
-18% expected savings
5th−$4,442,57525th−$3,415,167 75th−$810,65795th$2,792,300
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$681 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 · $1,842,991
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
AR 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Arkansas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO24%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley12%
Five-year median and percentile savings vs staying Fully Insured
PEO −$2,985,721
Self-Funded $3,274,576
Self-Funded Captive $3,509,498
Taft-Hartley −$4,667,898
5th to 95th percentile 25th to 75th Median
PEO 24% chance of beating Fully Insured
−$2,985,721
median five-year savings
-16% expected savings
5th−$12,168,90825th−$5,895,240 75th−$199,38495th$5,154,009
Self-Funded 100% chance of beating Fully Insured
$3,274,576
median five-year savings
+16% expected savings
5th$1,587,42825th$2,465,768 75th$4,609,80695th$8,070,770
With additional cost containment: $5.00M to $6.50M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,509,498
median five-year savings
+17% expected savings
5th$1,907,09425th$2,657,445 75th$4,870,49995th$8,571,084
With additional cost containment: $4.97M to $6.03M more potential savings; win rate rises to ~100%.
Taft-Hartley 12% chance of beating Fully Insured
−$4,667,898
median five-year savings
-19% expected savings
5th−$8,253,67025th−$6,487,559 75th−$2,284,46695th$2,765,888
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$681 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 · $3,509,498
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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