PEO 92% chance of beating Fully Insured
$105,043
median five-year savings
+18% expected savings
5th−$23,49725th$63,793 75th$132,24495th$156,866
Louisiana Health-Plan Funding Guide
Louisiana 2026 funding analysis (archived)
Plan year 2026 · archived results View the Louisiana 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
LA 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Louisiana market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO92%
Level-Funded76%
Taft-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $105,043
Level-Funded $81,008
Taft-Hartley −$62,303
5th to 95th percentile 25th to 75th Median
Level-Funded 76% chance of beating Fully Insured
$81,008
median five-year savings
+8% expected savings
5th−$196,47425th$6,714 75th$111,73095th$130,555
With additional cost containment: $111K to $201K more potential savings; win rate rises to ~94%.
Taft-Hartley 0% chance of beating Fully Insured
−$62,303
median five-year savings
-13% expected savings
5th−$84,24225th−$70,906 75th−$52,39995th−$37,429
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$723 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 · $105,043
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 10 enrolled employees. Actual quotes and underwriting can materially change results.
30 Employees
LA 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Louisiana market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO92%
Level-Funded88%
Self-Funded Captive91%
Taft-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $315,128
Level-Funded $378,733
Self-Funded Captive $346,597
Taft-Hartley −$186,910
5th to 95th percentile 25th to 75th Median
PEO 92% chance of beating Fully Insured
$315,128
median five-year savings
+18% expected savings
5th−$70,49125th$191,378 75th$396,73295th$470,598
Level-Funded 88% chance of beating Fully Insured
$378,733
median five-year savings
+20% expected savings
5th−$242,30225th$221,071 75th$447,65595th$504,075
With additional cost containment: $283K to $449K more potential savings; win rate rises to ~99%.
Self-Funded Captive 91% chance of beating Fully Insured
$346,597
median five-year savings
+20% expected savings
5th−$109,38725th$218,097 75th$423,69195th$494,409
With additional cost containment: $289K to $415K more potential savings; win rate rises to ~99%.
Taft-Hartley 0% chance of beating Fully Insured
−$186,910
median five-year savings
-13% expected savings
5th−$252,72725th−$212,718 75th−$157,19795th−$112,286
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$723 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 · $378,733
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
LA 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Louisiana 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-Hartley24%
Five-year median and percentile savings vs staying Fully Insured
PEO −$106,983
Level-Funded $302,113
Self-Funded Captive $444,662
Taft-Hartley −$454,750
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$106,983
median five-year savings
-4% expected savings
5th−$1,273,25825th−$495,566 75th$351,33195th$1,405,281
Level-Funded 91% chance of beating Fully Insured
$302,113
median five-year savings
+11% expected savings
5th−$143,86425th$158,828 75th$557,31795th$1,377,343
With additional cost containment: $772K to $1.13M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$444,662
median five-year savings
+16% expected savings
5th$169,08325th$299,618 75th$707,54395th$1,542,125
With additional cost containment: $744K to $986K more potential savings; win rate rises to ~100%.
Taft-Hartley 24% chance of beating Fully Insured
−$454,750
median five-year savings
-11% expected savings
5th−$962,39525th−$722,697 75th−$19,28895th$1,007,330
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$723 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 · $444,662
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
LA 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Louisiana 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-Hartley27%
Five-year median and percentile savings vs staying Fully Insured
PEO −$504,299
Self-Funded $1,006,612
Self-Funded Captive $1,067,138
Taft-Hartley −$896,807
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$504,299
median five-year savings
-8% expected savings
5th−$3,261,72725th−$1,478,106 75th$540,67595th$3,061,701
Self-Funded 96% chance of beating Fully Insured
$1,006,612
median five-year savings
+15% expected savings
5th$37,76925th$658,350 75th$1,498,30295th$3,048,889
With additional cost containment: $1.61M to $2.47M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,067,138
median five-year savings
+17% expected savings
5th$492,74025th$757,337 75th$1,612,27295th$3,307,666
With additional cost containment: $1.61M to $2.14M more potential savings; win rate rises to ~100%.
Taft-Hartley 27% chance of beating Fully Insured
−$896,807
median five-year savings
-10% expected savings
5th−$2,225,92025th−$1,563,224 75th$122,41895th$2,486,165
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$723 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 · $1,067,138
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
LA 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Louisiana 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-Hartley28%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,400,160
Self-Funded $1,784,196
Self-Funded Captive $1,918,648
Taft-Hartley −$1,430,415
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,400,160
median five-year savings
-13% expected savings
5th−$6,336,89125th−$3,106,098 75th$526,10295th$4,688,156
Self-Funded 99% chance of beating Fully Insured
$1,784,196
median five-year savings
+16% expected savings
5th$602,86825th$1,282,209 75th$2,638,55695th$4,914,164
With additional cost containment: $2.67M to $4.04M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,918,648
median five-year savings
+17% expected savings
5th$885,22325th$1,376,437 75th$2,868,85595th$5,397,642
With additional cost containment: $2.69M to $3.57M more potential savings; win rate rises to ~100%.
Taft-Hartley 28% chance of beating Fully Insured
−$1,430,415
median five-year savings
-10% expected savings
5th−$3,749,67525th−$2,609,884 75th$329,17595th$4,554,306
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$723 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 · $1,918,648
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
LA 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Louisiana 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-Hartley24%
Five-year median and percentile savings vs staying Fully Insured
PEO −$2,772,498
Self-Funded $3,447,215
Self-Funded Captive $3,631,391
Taft-Hartley −$2,832,788
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$2,772,498
median five-year savings
-14% expected savings
5th−$12,583,30625th−$5,887,479 75th$408,45895th$6,718,347
Self-Funded 100% chance of beating Fully Insured
$3,447,215
median five-year savings
+16% expected savings
5th$1,408,01625th$2,445,618 75th$5,091,61295th$9,592,163
With additional cost containment: $5.41M to $7.04M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,631,391
median five-year savings
+16% expected savings
5th$1,703,03725th$2,617,282 75th$5,319,78395th$9,898,292
With additional cost containment: $5.39M to $6.54M more potential savings; win rate rises to ~100%.
Taft-Hartley 24% chance of beating Fully Insured
−$2,832,788
median five-year savings
-10% expected savings
5th−$6,833,66625th−$4,881,151 75th−$78,53195th$5,882,196
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$723 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 · $3,631,391
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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