PEO 88% chance of beating Fully Insured
$105,423
median five-year savings
+14% expected savings
5th−$66,33525th$51,096 75th$141,81195th$173,941
Hawaii Health-Plan Funding Guide
Hawaii 2026 funding analysis (archived)
Plan year 2026 · archived results View the Hawaii 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
HI 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Hawaii market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO88%
Level-Funded70%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $105,423
Level-Funded $73,105
Taft-Hartley $67,707
5th to 95th percentile 25th to 75th Median
Level-Funded 70% chance of beating Fully Insured
$73,105
median five-year savings
+3% expected savings
5th−$298,54825th−$25,529 75th$113,99795th$139,447
With additional cost containment: $148K to $268K more potential savings; win rate rises to ~92%.
Taft-Hartley 100% chance of beating Fully Insured
$67,707
median five-year savings
+11% expected savings
5th$40,13725th$56,856 75th$80,04695th$99,004
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$964 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 · $105,423
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
HI 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Hawaii market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO88%
Level-Funded86%
Self-Funded Captive87%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $316,270
Level-Funded $401,922
Self-Funded Captive $340,706
Taft-Hartley $203,121
5th to 95th percentile 25th to 75th Median
PEO 88% chance of beating Fully Insured
$316,270
median five-year savings
+14% expected savings
5th−$199,00525th$153,287 75th$425,43495th$521,824
Level-Funded 86% chance of beating Fully Insured
$401,922
median five-year savings
+15% expected savings
5th−$426,72425th$190,551 75th$493,01995th$568,092
With additional cost containment: $378K to $599K more potential savings; win rate rises to ~98%.
Self-Funded Captive 87% chance of beating Fully Insured
$340,706
median five-year savings
+14% expected savings
5th−$266,95525th$167,827 75th$442,91795th$536,691
With additional cost containment: $390K to $558K more potential savings; win rate rises to ~99%.
Taft-Hartley 100% chance of beating Fully Insured
$203,121
median five-year savings
+11% expected savings
5th$120,41225th$170,567 75th$240,13895th$297,012
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$964 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 · $401,922
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
HI 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Hawaii 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-Hartley95%
Five-year median and percentile savings vs staying Fully Insured
PEO −$142,645
Level-Funded $402,817
Self-Funded Captive $550,883
Taft-Hartley $689,043
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$142,645
median five-year savings
-4% expected savings
5th−$1,697,67725th−$660,755 75th$468,44295th$1,873,707
Level-Funded 91% chance of beating Fully Insured
$402,817
median five-year savings
+11% expected savings
5th−$191,81925th$211,770 75th$743,08995th$1,836,458
With additional cost containment: $1.03M to $1.51M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$550,883
median five-year savings
+15% expected savings
5th$183,44425th$357,491 75th$901,39195th$2,014,166
With additional cost containment: $1.00M to $1.33M more potential savings; win rate rises to ~100%.
Taft-Hartley 95% chance of beating Fully Insured
$689,043
median five-year savings
+17% expected savings
5th$8,11125th$332,966 75th$1,267,14695th$2,638,501
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$964 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 medianTaft-Hartley · $689,043
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
HI 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Hawaii 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-Hartley92%
Five-year median and percentile savings vs staying Fully Insured
PEO −$672,398
Self-Funded $1,342,150
Self-Funded Captive $1,332,851
Taft-Hartley $1,590,047
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$672,398
median five-year savings
-8% expected savings
5th−$4,348,96925th−$1,970,809 75th$720,90095th$4,082,268
Self-Funded 96% chance of beating Fully Insured
$1,342,150
median five-year savings
+15% expected savings
5th$50,35925th$877,800 75th$1,997,73695th$4,065,185
With additional cost containment: $2.15M to $3.30M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,332,851
median five-year savings
+16% expected savings
5th$566,98625th$919,783 75th$2,059,69695th$4,320,221
With additional cost containment: $2.17M to $2.87M more potential savings; win rate rises to ~100%.
Taft-Hartley 92% chance of beating Fully Insured
$1,590,047
median five-year savings
+18% expected savings
5th−$181,00325th$699,455 75th$2,939,83095th$6,081,019
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$964 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 medianTaft-Hartley · $1,590,047
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
HI 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Hawaii 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-Hartley91%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,866,880
Self-Funded $2,378,927
Self-Funded Captive $2,408,198
Taft-Hartley $2,730,312
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,866,880
median five-year savings
-13% expected savings
5th−$8,449,18825th−$4,141,463 75th$701,46995th$6,250,875
Self-Funded 99% chance of beating Fully Insured
$2,378,927
median five-year savings
+16% expected savings
5th$803,82325th$1,709,611 75th$3,518,07495th$6,552,218
With additional cost containment: $3.57M to $5.39M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,408,198
median five-year savings
+16% expected savings
5th$1,030,29725th$1,685,249 75th$3,675,13995th$7,046,856
With additional cost containment: $3.62M to $4.80M more potential savings; win rate rises to ~100%.
Taft-Hartley 91% chance of beating Fully Insured
$2,730,312
median five-year savings
+18% expected savings
5th−$386,31725th$1,160,210 75th$5,063,59495th$10,663,905
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$964 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 medianTaft-Hartley · $2,730,312
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
HI 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Hawaii 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-Hartley96%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,696,665
Self-Funded $4,596,287
Self-Funded Captive $4,541,855
Taft-Hartley $5,473,345
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$3,696,665
median five-year savings
-14% expected savings
5th−$16,777,74225th−$7,849,972 75th$544,61095th$8,957,795
Self-Funded 100% chance of beating Fully Insured
$4,596,287
median five-year savings
+16% expected savings
5th$1,877,35425th$3,260,824 75th$6,788,81695th$12,789,550
With additional cost containment: $7.21M to $9.39M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,541,855
median five-year savings
+16% expected savings
5th$1,970,71725th$3,189,709 75th$6,793,04495th$12,897,722
With additional cost containment: $7.26M to $8.80M more potential savings; win rate rises to ~100%.
Taft-Hartley 96% chance of beating Fully Insured
$5,473,345
median five-year savings
+17% expected savings
5th$158,66925th$2,752,054 75th$9,163,01395th$17,105,970
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$964 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 medianTaft-Hartley · $5,473,345
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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