PEO 95% chance of beating Fully Insured
$128,414
median five-year savings
+22% expected savings
5th$2,82725th$87,618 75th$155,01495th$179,400
Kentucky Health-Plan Funding Guide
Kentucky 2026 funding analysis (archived)
Plan year 2026 · archived results View the Kentucky 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
KY 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Kentucky market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO95%
Level-Funded82%
Taft-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $128,414
Level-Funded $112,123
Taft-Hartley −$47,979
5th to 95th percentile 25th to 75th Median
Level-Funded 82% chance of beating Fully Insured
$112,123
median five-year savings
+14% expected savings
5th−$153,17125th$41,472 75th$141,17895th$159,859
With additional cost containment: $107K to $192K more potential savings; win rate rises to ~96%.
Taft-Hartley 0% chance of beating Fully Insured
−$47,979
median five-year savings
-9% expected savings
5th−$70,33825th−$56,728 75th−$37,91395th−$22,544
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$706 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 · $128,414
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
KY 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Kentucky market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO95%
Level-Funded92%
Self-Funded Captive95%
Taft-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $385,241
Level-Funded $466,795
Self-Funded Captive $438,921
Taft-Hartley −$143,937
5th to 95th percentile 25th to 75th Median
PEO 95% chance of beating Fully Insured
$385,241
median five-year savings
+22% expected savings
5th$8,48225th$262,854 75th$465,04295th$538,200
Level-Funded 92% chance of beating Fully Insured
$466,795
median five-year savings
+25% expected savings
5th−$126,08125th$316,865 75th$532,98395th$585,613
With additional cost containment: $272K to $430K more potential savings; win rate rises to ~100%.
Self-Funded Captive 95% chance of beating Fully Insured
$438,921
median five-year savings
+25% expected savings
5th$53325th$315,212 75th$512,94995th$579,677
With additional cost containment: $277K to $397K more potential savings; win rate rises to ~100%.
Taft-Hartley 0% chance of beating Fully Insured
−$143,937
median five-year savings
-9% expected savings
5th−$211,01425th−$170,184 75th−$113,73995th−$67,632
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$706 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 · $466,795
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
KY 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Kentucky market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO40%
Level-Funded92%
Self-Funded Captive100%
Taft-Hartley17%
Five-year median and percentile savings vs staying Fully Insured
PEO −$152,660
Level-Funded $304,482
Self-Funded Captive $447,175
Taft-Hartley −$596,209
5th to 95th percentile 25th to 75th Median
PEO 40% chance of beating Fully Insured
−$152,660
median five-year savings
-6% expected savings
5th−$1,289,63325th−$526,523 75th$267,29995th$1,183,026
Level-Funded 92% chance of beating Fully Insured
$304,482
median five-year savings
+11% expected savings
5th−$103,28325th$184,521 75th$516,11395th$1,192,256
With additional cost containment: $739K to $1.08M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$447,175
median five-year savings
+16% expected savings
5th$212,08125th$325,264 75th$660,80995th$1,343,601
With additional cost containment: $711K to $945K more potential savings; win rate rises to ~100%.
Taft-Hartley 17% chance of beating Fully Insured
−$596,209
median five-year savings
-15% expected savings
5th−$1,055,29925th−$832,873 75th−$206,42595th$718,506
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$706 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 · $447,175
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 70 enrolled employees. Actual quotes and underwriting can materially change results.
150 Employees
KY 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Kentucky market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO33%
Self-Funded96%
Self-Funded Captive100%
Taft-Hartley20%
Five-year median and percentile savings vs staying Fully Insured
PEO −$614,712
Self-Funded $996,188
Self-Funded Captive $1,063,347
Taft-Hartley −$1,193,710
5th to 95th percentile 25th to 75th Median
PEO 33% chance of beating Fully Insured
−$614,712
median five-year savings
-10% expected savings
5th−$3,290,20125th−$1,540,487 75th$354,03595th$2,636,101
Self-Funded 96% chance of beating Fully Insured
$996,188
median five-year savings
+15% expected savings
5th$130,18525th$696,319 75th$1,404,00295th$2,638,761
With additional cost containment: $1.55M to $2.36M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,063,347
median five-year savings
+17% expected savings
5th$570,78325th$799,114 75th$1,520,01695th$2,910,162
With additional cost containment: $1.54M to $2.05M more potential savings; win rate rises to ~100%.
Taft-Hartley 20% chance of beating Fully Insured
−$1,193,710
median five-year savings
-15% expected savings
5th−$2,426,93025th−$1,805,078 75th−$271,90995th$1,857,718
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$706 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 · $1,063,347
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
KY 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Kentucky market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO27%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley22%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,580,324
Self-Funded $1,755,388
Self-Funded Captive $1,893,954
Taft-Hartley −$1,956,050
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$1,580,324
median five-year savings
-15% expected savings
5th−$6,330,08125th−$3,234,605 75th$190,83895th$4,046,405
Self-Funded 99% chance of beating Fully Insured
$1,755,388
median five-year savings
+16% expected savings
5th$745,72925th$1,325,468 75th$2,456,35395th$4,274,706
With additional cost containment: $2.56M to $3.87M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,893,954
median five-year savings
+17% expected savings
5th$1,007,27725th$1,420,550 75th$2,710,30795th$4,907,992
With additional cost containment: $2.58M to $3.41M more potential savings; win rate rises to ~100%.
Taft-Hartley 22% chance of beating Fully Insured
−$1,956,050
median five-year savings
-14% expected savings
5th−$4,091,20725th−$3,029,499 75th−$331,67495th$3,409,603
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$706 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 · $1,893,954
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
KY 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Kentucky market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO24%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley17%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,094,955
Self-Funded $3,394,377
Self-Funded Captive $3,604,967
Taft-Hartley −$3,819,637
5th to 95th percentile 25th to 75th Median
PEO 24% chance of beating Fully Insured
−$3,094,955
median five-year savings
-16% expected savings
5th−$12,614,11225th−$6,110,920 75th−$206,67895th$5,342,571
Self-Funded 100% chance of beating Fully Insured
$3,394,377
median five-year savings
+16% expected savings
5th$1,645,50525th$2,555,979 75th$4,778,45795th$8,366,042
With additional cost containment: $5.18M to $6.74M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,604,967
median five-year savings
+17% expected savings
5th$1,943,93925th$2,721,742 75th$5,015,76195th$8,851,734
With additional cost containment: $5.16M to $6.26M more potential savings; win rate rises to ~100%.
Taft-Hartley 17% chance of beating Fully Insured
−$3,819,637
median five-year savings
-15% expected savings
5th−$7,523,28025th−$5,705,607 75th−$1,351,11995th$3,873,607
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$706 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 · $3,604,967
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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