PEO 89% chance of beating Fully Insured
$112,011
median five-year savings
+15% expected savings
5th−$50,88325th$60,128 75th$146,17895th$177,186
Delaware Health-Plan Funding Guide
Delaware 2026 funding analysis (archived)
Plan year 2026 · archived results View the Delaware 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
DE 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Delaware market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO89%
Level-Funded73%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $112,011
Level-Funded $81,536
Taft-Hartley $47,356
5th to 95th percentile 25th to 75th Median
Level-Funded 73% chance of beating Fully Insured
$81,536
median five-year savings
+5% expected savings
5th−$270,46725th−$12,236 75th$119,93295th$144,289
With additional cost containment: $140K to $254K more potential savings; win rate rises to ~92%.
Taft-Hartley 100% chance of beating Fully Insured
$47,356
median five-year savings
+8% expected savings
5th$20,60325th$36,957 75th$59,27395th$77,446
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$914 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 · $112,011
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
DE 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Delaware market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO89%
Level-Funded87%
Self-Funded Captive88%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $336,032
Level-Funded $416,550
Self-Funded Captive $361,781
Taft-Hartley $142,067
5th to 95th percentile 25th to 75th Median
PEO 89% chance of beating Fully Insured
$336,032
median five-year savings
+15% expected savings
5th−$152,64825th$180,383 75th$438,53495th$531,559
Level-Funded 87% chance of beating Fully Insured
$416,550
median five-year savings
+17% expected savings
5th−$369,02725th$216,952 75th$503,31895th$574,818
With additional cost containment: $358K to $568K more potential savings; win rate rises to ~98%.
Self-Funded Captive 88% chance of beating Fully Insured
$361,781
median five-year savings
+16% expected savings
5th−$214,71225th$197,537 75th$458,43495th$548,048
With additional cost containment: $369K to $528K more potential savings; win rate rises to ~99%.
Taft-Hartley 100% chance of beating Fully Insured
$142,067
median five-year savings
+8% expected savings
5th$61,80825th$110,872 75th$177,82095th$232,338
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$914 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 · $416,550
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
DE 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Delaware 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-Hartley84%
Five-year median and percentile savings vs staying Fully Insured
PEO −$135,266
Level-Funded $381,982
Self-Funded Captive $528,906
Taft-Hartley $452,667
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$135,266
median five-year savings
-4% expected savings
5th−$1,609,86625th−$626,578 75th$444,21295th$1,776,792
Level-Funded 91% chance of beating Fully Insured
$381,982
median five-year savings
+11% expected savings
5th−$181,89725th$200,817 75th$704,65395th$1,741,469
With additional cost containment: $976K to $1.43M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$528,906
median five-year savings
+15% expected savings
5th$180,47325th$345,517 75th$861,28495th$1,916,503
With additional cost containment: $949K to $1.26M more potential savings; win rate rises to ~100%.
Taft-Hartley 84% chance of beating Fully Insured
$452,667
median five-year savings
+13% expected savings
5th−$193,82125th$114,411 75th$1,000,71795th$2,301,054
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$914 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 · $528,906
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
DE 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Delaware 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-Hartley82%
Five-year median and percentile savings vs staying Fully Insured
PEO −$637,619
Self-Funded $1,272,728
Self-Funded Captive $1,277,876
Taft-Hartley $1,079,269
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$637,619
median five-year savings
-8% expected savings
5th−$4,124,02225th−$1,868,870 75th$683,61295th$3,871,116
Self-Funded 96% chance of beating Fully Insured
$1,272,728
median five-year savings
+15% expected savings
5th$47,75425th$832,396 75th$1,894,40595th$3,854,917
With additional cost containment: $2.04M to $3.13M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,277,876
median five-year savings
+16% expected savings
5th$551,62525th$886,174 75th$1,967,12595th$4,110,727
With additional cost containment: $2.05M to $2.72M more potential savings; win rate rises to ~100%.
Taft-Hartley 82% chance of beating Fully Insured
$1,079,269
median five-year savings
+13% expected savings
5th−$606,44025th$231,073 75th$2,353,43795th$5,341,997
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$914 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 · $1,277,876
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
DE 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Delaware 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-Hartley81%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,770,317
Self-Funded $2,255,879
Self-Funded Captive $2,306,911
Taft-Hartley $1,869,340
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,770,317
median five-year savings
-13% expected savings
5th−$8,012,16125th−$3,927,250 75th$665,18695th$5,927,554
Self-Funded 99% chance of beating Fully Insured
$2,255,879
median five-year savings
+16% expected savings
5th$762,24625th$1,621,183 75th$3,336,10595th$6,213,310
With additional cost containment: $3.38M to $5.11M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,306,911
median five-year savings
+17% expected savings
5th$1,000,28125th$1,621,357 75th$3,508,32295th$6,705,639
With additional cost containment: $3.43M to $4.54M more potential savings; win rate rises to ~100%.
Taft-Hartley 81% chance of beating Fully Insured
$1,869,340
median five-year savings
+13% expected savings
5th−$1,082,07125th$381,558 75th$4,084,33295th$9,399,999
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$914 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 · $2,306,911
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
DE 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Delaware 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-Hartley86%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,505,458
Self-Funded $4,358,548
Self-Funded Captive $4,353,483
Taft-Hartley $3,756,384
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$3,505,458
median five-year savings
-14% expected savings
5th−$15,909,92725th−$7,443,939 75th$516,44195th$8,494,461
Self-Funded 100% chance of beating Fully Insured
$4,358,548
median five-year savings
+16% expected savings
5th$1,780,25025th$3,092,161 75th$6,437,67195th$12,128,022
With additional cost containment: $6.83M to $8.90M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,353,483
median five-year savings
+16% expected savings
5th$1,915,33525th$3,071,276 75th$6,488,23195th$12,277,151
With additional cost containment: $6.87M to $8.33M more potential savings; win rate rises to ~100%.
Taft-Hartley 86% chance of beating Fully Insured
$3,756,384
median five-year savings
+13% expected savings
5th−$1,284,13925th$1,161,324 75th$7,247,00095th$14,784,138
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$914 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 · $4,358,548
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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