PEO 93% chance of beating Fully Insured
$129,150
median five-year savings
+19% expected savings
5th−$24,48725th$79,721 75th$161,69895th$191,060
Illinois Health-Plan Funding Guide
Illinois 2026 funding analysis (archived)
Plan year 2026 · archived results View the Illinois 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
IL 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Illinois market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded77%
Taft-Hartley99%
Five-year median and percentile savings vs staying Fully Insured
PEO $129,150
Level-Funded $100,427
Taft-Hartley $37,729
5th to 95th percentile 25th to 75th Median
Level-Funded 77% chance of beating Fully Insured
$100,427
median five-year savings
+9% expected savings
5th−$231,11525th$11,630 75th$137,05795th$159,674
With additional cost containment: $133K to $240K more potential savings; win rate rises to ~94%.
Taft-Hartley 99% chance of beating Fully Insured
$37,729
median five-year savings
+6% expected savings
5th$11,34225th$27,534 75th$49,34995th$67,334
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$864 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 · $129,150
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
IL 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Illinois market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded88%
Self-Funded Captive91%
Taft-Hartley99%
Five-year median and percentile savings vs staying Fully Insured
PEO $387,451
Level-Funded $463,499
Self-Funded Captive $414,442
Taft-Hartley $113,187
5th to 95th percentile 25th to 75th Median
PEO 93% chance of beating Fully Insured
$387,451
median five-year savings
+19% expected savings
5th−$73,46025th$239,162 75th$485,09595th$573,179
Level-Funded 88% chance of beating Fully Insured
$463,499
median five-year savings
+20% expected savings
5th−$278,81525th$275,024 75th$545,77295th$612,975
With additional cost containment: $339K to $537K more potential savings; win rate rises to ~99%.
Self-Funded Captive 91% chance of beating Fully Insured
$414,442
median five-year savings
+19% expected savings
5th−$130,74425th$260,655 75th$506,60795th$591,144
With additional cost containment: $348K to $499K more potential savings; win rate rises to ~99%.
Taft-Hartley 99% chance of beating Fully Insured
$113,187
median five-year savings
+6% expected savings
5th$34,02625th$82,601 75th$148,04795th$202,002
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$864 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 · $463,499
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
IL 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Illinois 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-Hartley66%
Five-year median and percentile savings vs staying Fully Insured
PEO −$127,888
Level-Funded $361,147
Self-Funded Captive $506,929
Taft-Hartley $215,828
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$127,888
median five-year savings
-4% expected savings
5th−$1,522,05525th−$592,401 75th$419,98295th$1,679,876
Level-Funded 91% chance of beating Fully Insured
$361,147
median five-year savings
+11% expected savings
5th−$171,97525th$189,863 75th$666,21895th$1,646,479
With additional cost containment: $922K to $1.35M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$506,929
median five-year savings
+15% expected savings
5th$177,50125th$333,543 75th$821,17895th$1,818,839
With additional cost containment: $895K to $1.19M more potential savings; win rate rises to ~100%.
Taft-Hartley 66% chance of beating Fully Insured
$215,828
median five-year savings
+8% expected savings
5th−$394,61925th−$103,858 75th$734,14495th$1,963,561
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$864 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 · $506,929
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
IL 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Illinois 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-Hartley67%
Five-year median and percentile savings vs staying Fully Insured
PEO −$602,840
Self-Funded $1,203,307
Self-Funded Captive $1,222,901
Taft-Hartley $560,251
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$602,840
median five-year savings
-8% expected savings
5th−$3,899,07625th−$1,766,932 75th$646,32495th$3,659,964
Self-Funded 96% chance of beating Fully Insured
$1,203,307
median five-year savings
+15% expected savings
5th$45,14925th$786,993 75th$1,791,07495th$3,644,648
With additional cost containment: $1.93M to $2.95M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,222,901
median five-year savings
+16% expected savings
5th$536,26325th$852,564 75th$1,874,55595th$3,901,232
With additional cost containment: $1.94M to $2.57M more potential savings; win rate rises to ~100%.
Taft-Hartley 67% chance of beating Fully Insured
$560,251
median five-year savings
+8% expected savings
5th−$1,031,92425th−$238,305 75th$1,767,18995th$4,597,830
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$864 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 · $1,222,901
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
IL 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Illinois 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-Hartley67%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,673,755
Self-Funded $2,132,831
Self-Funded Captive $2,205,625
Taft-Hartley $1,008,079
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,673,755
median five-year savings
-13% expected savings
5th−$7,575,13425th−$3,713,036 75th$628,90395th$5,604,233
Self-Funded 99% chance of beating Fully Insured
$2,132,831
median five-year savings
+16% expected savings
5th$720,66925th$1,532,755 75th$3,154,13595th$5,874,402
With additional cost containment: $3.20M to $4.83M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,205,625
median five-year savings
+17% expected savings
5th$970,26625th$1,557,465 75th$3,341,50495th$6,364,423
With additional cost containment: $3.24M to $4.29M more potential savings; win rate rises to ~100%.
Taft-Hartley 67% chance of beating Fully Insured
$1,008,079
median five-year savings
+8% expected savings
5th−$1,777,61925th−$398,224 75th$3,109,77395th$8,136,092
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$864 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 · $2,205,625
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
IL 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Illinois 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-Hartley70%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,314,251
Self-Funded $4,120,809
Self-Funded Captive $4,165,111
Taft-Hartley $2,036,525
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$3,314,251
median five-year savings
-14% expected savings
5th−$15,042,11325th−$7,037,906 75th$488,27195th$8,031,127
Self-Funded 100% chance of beating Fully Insured
$4,120,809
median five-year savings
+16% expected savings
5th$1,683,14525th$2,923,497 75th$6,086,52595th$11,466,493
With additional cost containment: $6.46M to $8.42M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,165,111
median five-year savings
+16% expected savings
5th$1,859,95325th$2,952,843 75th$6,183,41995th$11,656,579
With additional cost containment: $6.48M to $7.87M more potential savings; win rate rises to ~100%.
Taft-Hartley 70% chance of beating Fully Insured
$2,036,525
median five-year savings
+8% expected savings
5th−$2,726,52425th−$411,258 75th$5,327,09195th$12,462,307
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$864 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 · $4,165,111
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.
Ready to make this specific to your company?
Use your own data or speak with a Benefitra advisor.