PEO 90% chance of beating Fully Insured
$95,677
median five-year savings
+16% expected savings
5th−$40,50325th$52,234 75th$124,27195th$150,264
Indiana Health-Plan Funding Guide
Indiana 2026 funding analysis (archived)
Plan year 2026 · archived results View the Indiana 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
IN 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Indiana market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO90%
Level-Funded74%
Taft-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $95,677
Level-Funded $74,260
Taft-Hartley −$49,275
5th to 95th percentile 25th to 75th Median
Level-Funded 74% chance of beating Fully Insured
$74,260
median five-year savings
+6% expected savings
5th−$216,69225th−$3,376 75th$106,03895th$125,869
With additional cost containment: $117K to $210K more potential savings; win rate rises to ~93%.
Taft-Hartley 0% chance of beating Fully Insured
−$49,275
median five-year savings
-10% expected savings
5th−$71,89525th−$58,181 75th−$39,21095th−$23,821
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$765 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 · $95,677
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
IN 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Indiana market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO90%
Level-Funded87%
Self-Funded Captive90%
Taft-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $287,032
Level-Funded $364,904
Self-Funded Captive $329,146
Taft-Hartley −$147,826
5th to 95th percentile 25th to 75th Median
PEO 90% chance of beating Fully Insured
$287,032
median five-year savings
+16% expected savings
5th−$121,50925th$156,701 75th$372,81395th$450,792
Level-Funded 87% chance of beating Fully Insured
$364,904
median five-year savings
+18% expected savings
5th−$285,31325th$200,491 75th$436,80195th$496,331
With additional cost containment: $297K to $470K more potential savings; win rate rises to ~98%.
Self-Funded Captive 90% chance of beating Fully Insured
$329,146
median five-year savings
+18% expected savings
5th−$149,54325th$193,856 75th$409,23995th$483,364
With additional cost containment: $304K to $435K more potential savings; win rate rises to ~99%.
Taft-Hartley 0% chance of beating Fully Insured
−$147,826
median five-year savings
-10% expected savings
5th−$215,68525th−$174,544 75th−$117,62995th−$71,464
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$765 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 · $364,904
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
IN 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Indiana 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-Hartley31%
Five-year median and percentile savings vs staying Fully Insured
PEO −$134,569
Level-Funded $327,034
Self-Funded Captive $469,995
Taft-Hartley −$288,634
5th to 95th percentile 25th to 75th Median
PEO 42% chance of beating Fully Insured
−$134,569
median five-year savings
-5% expected savings
5th−$1,372,57425th−$550,640 75th$330,44895th$1,385,363
Level-Funded 92% chance of beating Fully Insured
$327,034
median five-year savings
+11% expected savings
5th−$131,54925th$183,382 75th$573,24295th$1,364,047
With additional cost containment: $807K to $1.19M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$469,995
median five-year savings
+15% expected savings
5th$194,29125th$326,266 75th$722,26895th$1,528,169
With additional cost containment: $780K to $1.03M more potential savings; win rate rises to ~100%.
Taft-Hartley 31% chance of beating Fully Insured
−$288,634
median five-year savings
-5% expected savings
5th−$810,59025th−$561,590 75th$146,70795th$1,167,822
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$765 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 · $469,995
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
IN 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Indiana 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-Hartley33%
Five-year median and percentile savings vs staying Fully Insured
PEO −$596,502
Self-Funded $1,070,506
Self-Funded Captive $1,119,887
Taft-Hartley −$536,998
5th to 95th percentile 25th to 75th Median
PEO 35% chance of beating Fully Insured
−$596,502
median five-year savings
-9% expected savings
5th−$3,508,74825th−$1,606,887 75th$476,54295th$3,003,221
Self-Funded 96% chance of beating Fully Insured
$1,070,506
median five-year savings
+15% expected savings
5th$88,04525th$723,916 75th$1,547,72895th$3,037,737
With additional cost containment: $1.69M to $2.59M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,119,887
median five-year savings
+16% expected savings
5th$550,99925th$813,752 75th$1,648,64195th$3,290,751
With additional cost containment: $1.69M to $2.24M more potential savings; win rate rises to ~100%.
Taft-Hartley 33% chance of beating Fully Insured
−$536,998
median five-year savings
-5% expected savings
5th−$1,904,48225th−$1,216,723 75th$509,97995th$2,880,283
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$765 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 · $1,119,887
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
IN 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Indiana 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-Hartley37%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,595,288
Self-Funded $1,892,554
Self-Funded Captive $2,011,175
Taft-Hartley −$844,306
5th to 95th percentile 25th to 75th Median
PEO 29% chance of beating Fully Insured
−$1,595,288
median five-year savings
-14% expected savings
5th−$6,795,58525th−$3,387,654 75th$382,93595th$4,638,574
Self-Funded 99% chance of beating Fully Insured
$1,892,554
median five-year savings
+16% expected savings
5th$726,35025th$1,391,201 75th$2,730,37095th$4,909,636
With additional cost containment: $2.80M to $4.23M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,011,175
median five-year savings
+17% expected savings
5th$988,34825th$1,463,984 75th$2,944,38295th$5,495,695
With additional cost containment: $2.82M to $3.74M more potential savings; win rate rises to ~100%.
Taft-Hartley 37% chance of beating Fully Insured
−$844,306
median five-year savings
-5% expected savings
5th−$3,227,26825th−$2,048,971 75th$939,75695th$5,186,625
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$765 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 · $2,011,175
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
IN 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Indiana 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-Hartley33%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,154,836
Self-Funded $3,652,147
Self-Funded Captive $3,809,894
Taft-Hartley −$1,625,278
5th to 95th percentile 25th to 75th Median
PEO 26% chance of beating Fully Insured
−$3,154,836
median five-year savings
-15% expected savings
5th−$13,498,99025th−$6,417,307 75th$123,13995th$6,321,798
Self-Funded 100% chance of beating Fully Insured
$3,652,147
median five-year savings
+16% expected savings
5th$1,638,01625th$2,674,950 75th$5,280,24995th$9,591,745
With additional cost containment: $5.66M to $7.37M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,809,894
median five-year savings
+16% expected savings
5th$1,893,35925th$2,799,521 75th$5,478,47195th$9,951,152
With additional cost containment: $5.66M to $6.86M more potential savings; win rate rises to ~100%.
Taft-Hartley 33% chance of beating Fully Insured
−$1,625,278
median five-year savings
-5% expected savings
5th−$5,742,39625th−$3,725,980 75th$1,165,24295th$7,263,918
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$765 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 · $3,809,894
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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