PEO 93% chance of beating Fully Insured
$136,485
median five-year savings
+19% expected savings
5th−$20,03025th$85,901 75th$169,72995th$199,792
Colorado Health-Plan Funding Guide
Colorado 2026 funding analysis (archived)
Plan year 2026 · archived results View the Colorado 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
CO 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Colorado market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded78%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $136,485
Level-Funded $107,328
Taft-Hartley $53,977
5th to 95th percentile 25th to 75th Median
Level-Funded 78% chance of beating Fully Insured
$107,328
median five-year savings
+9% expected savings
5th−$230,66725th$16,802 75th$144,53495th$167,581
With additional cost containment: $135K to $245K more potential savings; win rate rises to ~94%.
Taft-Hartley 100% chance of beating Fully Insured
$53,977
median five-year savings
+9% expected savings
5th$27,02125th$43,485 75th$65,96495th$84,273
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$881 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 · $136,485
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
CO 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Colorado 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-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $409,454
Level-Funded $486,903
Self-Funded Captive $436,116
Taft-Hartley $161,930
5th to 95th percentile 25th to 75th Median
PEO 93% chance of beating Fully Insured
$409,454
median five-year savings
+19% expected savings
5th−$60,09025th$257,702 75th$509,18895th$599,377
Level-Funded 89% chance of beating Fully Insured
$486,903
median five-year savings
+21% expected savings
5th−$269,35425th$294,906 75th$570,99095th$639,200
With additional cost containment: $345K to $547K more potential savings; win rate rises to ~99%.
Self-Funded Captive 92% chance of beating Fully Insured
$436,116
median five-year savings
+20% expected savings
5th−$119,83425th$278,987 75th$529,67895th$616,037
With additional cost containment: $355K to $508K more potential savings; win rate rises to ~99%.
Taft-Hartley 100% chance of beating Fully Insured
$161,930
median five-year savings
+9% expected savings
5th$81,06325th$130,455 75th$197,89295th$252,818
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$881 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 · $486,903
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
CO 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Colorado market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO44%
Level-Funded91%
Self-Funded Captive100%
Taft-Hartley72%
Five-year median and percentile savings vs staying Fully Insured
PEO −$130,348
Level-Funded $368,092
Self-Funded Captive $514,255
Taft-Hartley $294,783
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$130,348
median five-year savings
-4% expected savings
5th−$1,551,32525th−$603,793 75th$428,05995th$1,712,181
Level-Funded 91% chance of beating Fully Insured
$368,092
median five-year savings
+11% expected savings
5th−$175,28325th$193,514 75th$679,03095th$1,678,142
With additional cost containment: $940K to $1.38M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$514,255
median five-year savings
+15% expected savings
5th$178,49225th$337,535 75th$834,54695th$1,851,393
With additional cost containment: $913K to $1.21M more potential savings; win rate rises to ~100%.
Taft-Hartley 72% chance of beating Fully Insured
$294,783
median five-year savings
+9% expected savings
5th−$328,31425th−$31,054 75th$823,00295th$2,076,059
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$881 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 · $514,255
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
CO 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Colorado market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO37%
Self-Funded96%
Self-Funded Captive100%
Taft-Hartley72%
Five-year median and percentile savings vs staying Fully Insured
PEO −$614,433
Self-Funded $1,226,447
Self-Funded Captive $1,241,226
Taft-Hartley $733,602
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$614,433
median five-year savings
-8% expected savings
5th−$3,974,05825th−$1,800,911 75th$658,75395th$3,730,348
Self-Funded 96% chance of beating Fully Insured
$1,226,447
median five-year savings
+15% expected savings
5th$46,01825th$802,127 75th$1,825,51795th$3,714,738
With additional cost containment: $1.97M to $3.01M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,241,226
median five-year savings
+16% expected savings
5th$541,38425th$863,767 75th$1,905,41195th$3,971,064
With additional cost containment: $1.98M to $2.62M more potential savings; win rate rises to ~100%.
Taft-Hartley 72% chance of beating Fully Insured
$733,602
median five-year savings
+10% expected savings
5th−$890,10725th−$82,502 75th$1,962,60595th$4,845,994
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$881 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 · $1,241,226
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
CO 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Colorado market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO31%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley72%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,705,942
Self-Funded $2,173,847
Self-Funded Captive $2,239,387
Taft-Hartley $1,295,311
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,705,942
median five-year savings
-13% expected savings
5th−$7,720,81025th−$3,784,441 75th$640,99795th$5,712,006
Self-Funded 99% chance of beating Fully Insured
$2,173,847
median five-year savings
+16% expected savings
5th$734,52825th$1,562,231 75th$3,214,79295th$5,987,372
With additional cost containment: $3.26M to $4.92M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,239,387
median five-year savings
+17% expected savings
5th$980,27125th$1,578,762 75th$3,397,11095th$6,478,162
With additional cost containment: $3.30M to $4.38M more potential savings; win rate rises to ~100%.
Taft-Hartley 72% chance of beating Fully Insured
$1,295,311
median five-year savings
+10% expected savings
5th−$1,545,77025th−$136,844 75th$3,434,62695th$8,557,394
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$881 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 · $2,239,387
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
CO 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Colorado market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO27%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley77%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,377,987
Self-Funded $4,200,055
Self-Funded Captive $4,227,902
Taft-Hartley $2,612,107
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$3,377,987
median five-year savings
-14% expected savings
5th−$15,331,38525th−$7,173,250 75th$497,66195th$8,185,572
Self-Funded 100% chance of beating Fully Insured
$4,200,055
median five-year savings
+16% expected savings
5th$1,715,51325th$2,979,718 75th$6,203,57495th$11,687,003
With additional cost containment: $6.59M to $8.58M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,227,902
median five-year savings
+16% expected savings
5th$1,878,41325th$2,992,320 75th$6,285,02395th$11,863,436
With additional cost containment: $6.61M to $8.02M more potential savings; win rate rises to ~100%.
Taft-Hartley 77% chance of beating Fully Insured
$2,612,107
median five-year savings
+10% expected savings
5th−$2,245,72925th$113,623 75th$5,964,82195th$13,236,251
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$881 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 · $4,227,902
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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