PEO 91% chance of beating Fully Insured
$111,612
median five-year savings
+17% expected savings
5th−$33,19725th$65,320 75th$142,26595th$170,037
Florida Health-Plan Funding Guide
Florida 2026 funding analysis (archived)
Plan year 2026 · archived results View the Florida 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
FL 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Florida market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO91%
Level-Funded76%
Taft-Hartley33%
Five-year median and percentile savings vs staying Fully Insured
PEO $111,612
Level-Funded $88,903
Taft-Hartley −$6,489
5th to 95th percentile 25th to 75th Median
Level-Funded 76% chance of beating Fully Insured
$88,903
median five-year savings
+8% expected savings
5th−$220,46425th$6,092 75th$122,96795th$143,949
With additional cost containment: $125K to $224K more potential savings; win rate rises to ~94%.
Taft-Hartley 33% chance of beating Fully Insured
−$6,489
median five-year savings
-1% expected savings
5th−$30,85425th−$16,000 75th$4,28595th$21,099
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$814 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 · $111,612
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
FL 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Florida market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO91%
Level-Funded88%
Self-Funded Captive91%
Taft-Hartley33%
Five-year median and percentile savings vs staying Fully Insured
PEO $334,837
Level-Funded $418,135
Self-Funded Captive $376,322
Taft-Hartley −$19,468
5th to 95th percentile 25th to 75th Median
PEO 91% chance of beating Fully Insured
$334,837
median five-year savings
+17% expected savings
5th−$99,59125th$195,960 75th$426,79495th$510,112
Level-Funded 88% chance of beating Fully Insured
$418,135
median five-year savings
+20% expected savings
5th−$274,23325th$242,597 75th$494,93595th$557,529
With additional cost containment: $316K to $501K more potential savings; win rate rises to ~99%.
Self-Funded Captive 91% chance of beating Fully Insured
$376,322
median five-year savings
+19% expected savings
5th−$133,60725th$233,092 75th$462,15595th$540,813
With additional cost containment: $324K to $465K more potential savings; win rate rises to ~99%.
Taft-Hartley 33% chance of beating Fully Insured
−$19,468
median five-year savings
-1% expected savings
5th−$92,56125th−$47,999 75th$12,85495th$63,296
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$814 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 · $418,135
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
FL 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Florida 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-Hartley46%
Five-year median and percentile savings vs staying Fully Insured
PEO −$143,345
Level-Funded $348,362
Self-Funded Captive $492,430
Taft-Hartley −$53,038
5th to 95th percentile 25th to 75th Median
PEO 42% chance of beating Fully Insured
−$143,345
median five-year savings
-5% expected savings
5th−$1,462,09025th−$586,551 75th$351,99995th$1,475,712
Level-Funded 92% chance of beating Fully Insured
$348,362
median five-year savings
+11% expected savings
5th−$140,12825th$195,341 75th$610,62795th$1,453,007
With additional cost containment: $860K to $1.26M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$492,430
median five-year savings
+15% expected savings
5th$198,74525th$339,327 75th$761,15595th$1,619,615
With additional cost containment: $833K to $1.10M more potential savings; win rate rises to ~100%.
Taft-Hartley 46% chance of beating Fully Insured
−$53,038
median five-year savings
+1% expected savings
5th−$608,09225th−$345,222 75th$409,15295th$1,497,765
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$814 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 · $492,430
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
FL 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Florida 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-Hartley49%
Five-year median and percentile savings vs staying Fully Insured
PEO −$635,404
Self-Funded $1,140,322
Self-Funded Captive $1,175,314
Taft-Hartley −$26,860
5th to 95th percentile 25th to 75th Median
PEO 35% chance of beating Fully Insured
−$635,404
median five-year savings
-9% expected savings
5th−$3,737,57925th−$1,711,684 75th$507,62195th$3,199,083
Self-Funded 96% chance of beating Fully Insured
$1,140,322
median five-year savings
+15% expected savings
5th$93,78725th$771,128 75th$1,648,66795th$3,235,850
With additional cost containment: $1.80M to $2.75M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,175,314
median five-year savings
+16% expected savings
5th$569,32525th$849,214 75th$1,738,55295th$3,487,757
With additional cost containment: $1.81M to $2.39M more potential savings; win rate rises to ~100%.
Taft-Hartley 49% chance of beating Fully Insured
−$26,860
median five-year savings
+1% expected savings
5th−$1,480,86925th−$755,345 75th$1,089,81195th$3,616,412
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$814 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 · $1,175,314
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
FL 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Florida 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-Hartley50%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,699,329
Self-Funded $2,015,981
Self-Funded Captive $2,112,990
Taft-Hartley $4,843
5th to 95th percentile 25th to 75th Median
PEO 29% chance of beating Fully Insured
−$1,699,329
median five-year savings
-14% expected savings
5th−$7,238,77525th−$3,608,588 75th$407,90995th$4,941,089
Self-Funded 99% chance of beating Fully Insured
$2,015,981
median five-year savings
+16% expected savings
5th$773,72025th$1,481,932 75th$2,908,43895th$5,229,829
With additional cost containment: $2.98M to $4.50M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,112,990
median five-year savings
+17% expected savings
5th$1,023,45725th$1,530,113 75th$3,107,05995th$5,824,762
With additional cost containment: $3.02M to $4.00M more potential savings; win rate rises to ~100%.
Taft-Hartley 50% chance of beating Fully Insured
$4,843
median five-year savings
+2% expected savings
5th−$2,529,95425th−$1,271,684 75th$1,911,62195th$6,426,261
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$814 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 · $2,112,990
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
FL 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Florida 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-Hartley51%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,360,586
Self-Funded $3,890,331
Self-Funded Captive $3,999,669
Taft-Hartley $88,220
5th to 95th percentile 25th to 75th Median
PEO 26% chance of beating Fully Insured
−$3,360,586
median five-year savings
-15% expected savings
5th−$14,379,35925th−$6,835,827 75th$131,17095th$6,734,090
Self-Funded 100% chance of beating Fully Insured
$3,890,331
median five-year savings
+16% expected savings
5th$1,744,84425th$2,849,403 75th$5,624,61395th$10,217,294
With additional cost containment: $6.03M to $7.85M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,999,669
median five-year savings
+16% expected savings
5th$1,958,14325th$2,923,403 75th$5,777,06795th$10,541,445
With additional cost containment: $6.05M to $7.32M more potential savings; win rate rises to ~100%.
Taft-Hartley 51% chance of beating Fully Insured
$88,220
median five-year savings
+1% expected savings
5th−$4,296,07325th−$2,151,104 75th$3,042,37895th$9,530,122
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$814 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 · $3,999,669
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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