PEO 94% chance of beating Fully Insured
$175,711
median five-year savings
+21% expected savings
5th−$7,68525th$116,082 75th$214,32595th$249,771
Connecticut Health-Plan Funding Guide
Connecticut 2026 funding analysis (archived)
Plan year 2026 · archived results View the Connecticut 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
CT 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Connecticut market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO94%
Level-Funded76%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $175,711
Level-Funded $119,256
Taft-Hartley $173,516
5th to 95th percentile 25th to 75th Median
Level-Funded 76% chance of beating Fully Insured
$119,256
median five-year savings
+8% expected savings
5th−$293,46725th$9,192 75th$165,34995th$193,638
With additional cost containment: $164K to $298K more potential savings; win rate rises to ~94%.
Taft-Hartley 100% chance of beating Fully Insured
$173,516
median five-year savings
+24% expected savings
5th$141,71425th$160,872 75th$187,74895th$208,922
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,030 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 · $175,711
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
CT 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Connecticut market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO94%
Level-Funded88%
Self-Funded Captive91%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $527,134
Level-Funded $558,511
Self-Funded Captive $483,560
Taft-Hartley $520,548
5th to 95th percentile 25th to 75th Median
PEO 94% chance of beating Fully Insured
$527,134
median five-year savings
+21% expected savings
5th−$23,05625th$348,246 75th$642,97695th$749,314
Level-Funded 88% chance of beating Fully Insured
$558,511
median five-year savings
+20% expected savings
5th−$364,41525th$323,292 75th$661,21595th$746,365
With additional cost containment: $420K to $666K more potential savings; win rate rises to ~99%.
Self-Funded Captive 91% chance of beating Fully Insured
$483,560
median five-year savings
+18% expected savings
5th−$181,71325th$294,254 75th$597,83595th$703,640
With additional cost containment: $437K to $617K more potential savings; win rate rises to ~99%.
Taft-Hartley 100% chance of beating Fully Insured
$520,548
median five-year savings
+24% expected savings
5th$425,14125th$482,615 75th$563,24595th$626,765
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,030 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 · $558,511
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
CT 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Connecticut market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO50%
Level-Funded86%
Self-Funded Captive97%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $2,654
Level-Funded $394,265
Self-Funded Captive $546,948
Taft-Hartley $1,160,564
5th to 95th percentile 25th to 75th Median
PEO 50% chance of beating Fully Insured
$2,654
median five-year savings
+0% expected savings
5th−$1,709,07225th−$574,812 75th$758,11595th$2,511,877
Level-Funded 86% chance of beating Fully Insured
$394,265
median five-year savings
+11% expected savings
5th−$335,70425th$144,388 75th$897,08195th$2,443,149
With additional cost containment: $1.14M to $1.68M more potential savings; win rate rises to ~100%.
Self-Funded Captive 97% chance of beating Fully Insured
$546,948
median five-year savings
+14% expected savings
5th$58,76425th$286,260 75th$1,040,46895th$2,699,019
With additional cost containment: $1.12M to $1.47M more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$1,160,564
median five-year savings
+25% expected savings
5th$334,91525th$731,586 75th$1,890,04395th$3,700,995
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,030 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 · ~15% cheaper
Highest modeled five-year medianTaft-Hartley · $1,160,564
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
CT 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Connecticut 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-Hartley99%
Five-year median and percentile savings vs staying Fully Insured
PEO −$382,264
Self-Funded $1,400,901
Self-Funded Captive $1,350,111
Taft-Hartley $2,633,714
5th to 95th percentile 25th to 75th Median
PEO 43% chance of beating Fully Insured
−$382,264
median five-year savings
-5% expected savings
5th−$4,384,51325th−$1,813,371 75th$1,261,26095th$5,546,267
Self-Funded 93% chance of beating Fully Insured
$1,400,901
median five-year savings
+15% expected savings
5th−$237,39725th$776,495 75th$2,339,32495th$5,414,646
With additional cost containment: $2.39M to $3.67M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,350,111
median five-year savings
+15% expected savings
5th$317,17725th$802,683 75th$2,392,70495th$5,625,519
With additional cost containment: $2.42M to $3.21M more potential savings; win rate rises to ~100%.
Taft-Hartley 99% chance of beating Fully Insured
$2,633,714
median five-year savings
+26% expected savings
5th$535,40525th$1,573,870 75th$4,300,94795th$8,454,346
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,030 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 · ~15% cheaper
Highest modeled five-year medianTaft-Hartley · $2,633,714
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
CT 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Connecticut 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-Hartley99%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,382,210
Self-Funded $2,519,718
Self-Funded Captive $2,529,792
Taft-Hartley $4,556,114
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$1,382,210
median five-year savings
-9% expected savings
5th−$8,519,82325th−$3,969,522 75th$1,649,72595th$8,483,964
Self-Funded 97% chance of beating Fully Insured
$2,519,718
median five-year savings
+16% expected savings
5th$393,47725th$1,599,885 75th$4,113,62795th$8,613,110
With additional cost containment: $3.96M to $6.00M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,529,792
median five-year savings
+16% expected savings
5th$662,59425th$1,549,978 75th$4,256,67195th$8,932,706
With additional cost containment: $4.04M to $5.32M more potential savings; win rate rises to ~100%.
Taft-Hartley 99% chance of beating Fully Insured
$4,556,114
median five-year savings
+26% expected savings
5th$791,88325th$2,617,008 75th$7,289,87295th$13,860,985
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,030 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 · ~15% cheaper
Highest modeled five-year medianTaft-Hartley · $4,556,114
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
CT 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Connecticut 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 −$2,798,187
Self-Funded $4,886,121
Self-Funded Captive $4,672,039
Taft-Hartley $9,064,322
5th to 95th percentile 25th to 75th Median
PEO 34% chance of beating Fully Insured
−$2,798,187
median five-year savings
-10% expected savings
5th−$16,962,50525th−$7,443,103 75th$2,002,99395th$13,268,391
Self-Funded 99% chance of beating Fully Insured
$4,886,121
median five-year savings
+16% expected savings
5th$1,124,23225th$3,017,524 75th$7,948,75895th$16,881,439
With additional cost containment: $7.98M to $10.47M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,672,039
median five-year savings
+15% expected savings
5th$1,235,49925th$2,868,038 75th$7,817,53295th$16,960,274
With additional cost containment: $8.09M to $9.82M more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$9,064,322
median five-year savings
+26% expected savings
5th$2,640,20925th$5,725,879 75th$13,448,13295th$23,775,009
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,030 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 · ~15% cheaper
Highest modeled five-year medianTaft-Hartley · $9,064,322
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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