PEO 94% chance of beating Fully Insured
$145,400
median five-year savings
+20% expected savings
5th−$14,14725th$93,681 75th$179,11795th$209,996
Maine Health-Plan Funding Guide
Maine 2026 funding analysis (archived)
Plan year 2026 · archived results View the Maine 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
ME 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Maine market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO94%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $145,400
Taft-Hartley $71,779
5th to 95th percentile 25th to 75th Median
Taft-Hartley 100% chance of beating Fully Insured
$71,779
median five-year savings
+11% expected savings
5th$44,09425th$60,891 75th$83,99395th$102,751
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$897 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 · $145,400
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
ME 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Maine market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO94%
Level-Funded90%
Self-Funded Captive92%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $436,200
Level-Funded $514,698
Self-Funded Captive $462,302
Taft-Hartley $215,337
5th to 95th percentile 25th to 75th Median
PEO 94% chance of beating Fully Insured
$436,200
median five-year savings
+20% expected savings
5th−$42,44025th$281,044 75th$537,35195th$629,987
Level-Funded 90% chance of beating Fully Insured
$514,698
median five-year savings
+22% expected savings
5th−$255,39525th$319,556 75th$600,21795th$670,382
With additional cost containment: $352K to $558K more potential savings; win rate rises to ~99%.
Self-Funded Captive 92% chance of beating Fully Insured
$462,302
median five-year savings
+21% expected savings
5th−$104,53425th$301,959 75th$556,97995th$645,387
With additional cost containment: $362K to $518K more potential savings; win rate rises to ~99%.
Taft-Hartley 100% chance of beating Fully Insured
$215,337
median five-year savings
+11% expected savings
5th$132,28225th$182,673 75th$251,98095th$308,253
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$897 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 · $514,698
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
ME 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Maine 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-Hartley78%
Five-year median and percentile savings vs staying Fully Insured
PEO −$132,807
Level-Funded $375,037
Self-Funded Captive $521,580
Taft-Hartley $373,738
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$132,807
median five-year savings
-4% expected savings
5th−$1,580,59625th−$615,186 75th$436,13695th$1,744,486
Level-Funded 91% chance of beating Fully Insured
$375,037
median five-year savings
+11% expected savings
5th−$178,59025th$197,165 75th$691,84295th$1,709,806
With additional cost containment: $958K to $1.41M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$521,580
median five-year savings
+15% expected savings
5th$179,48225th$341,526 75th$847,91595th$1,883,948
With additional cost containment: $931K to $1.23M more potential savings; win rate rises to ~100%.
Taft-Hartley 78% chance of beating Fully Insured
$373,738
median five-year savings
+11% expected savings
5th−$261,07925th$41,539 75th$911,86095th$2,188,556
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$897 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 · $521,580
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
ME 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Maine 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-Hartley77%
Five-year median and percentile savings vs staying Fully Insured
PEO −$626,026
Self-Funded $1,249,588
Self-Funded Captive $1,259,551
Taft-Hartley $906,953
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$626,026
median five-year savings
-8% expected savings
5th−$4,049,04025th−$1,834,891 75th$671,18295th$3,800,732
Self-Funded 96% chance of beating Fully Insured
$1,249,588
median five-year savings
+15% expected savings
5th$46,88625th$817,262 75th$1,859,96195th$3,784,827
With additional cost containment: $2.00M to $3.07M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,259,551
median five-year savings
+16% expected savings
5th$546,50425th$874,971 75th$1,936,26895th$4,040,895
With additional cost containment: $2.02M to $2.67M more potential savings; win rate rises to ~100%.
Taft-Hartley 77% chance of beating Fully Insured
$906,953
median five-year savings
+11% expected savings
5th−$748,27425th$73,749 75th$2,158,02195th$5,094,159
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$897 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 · $1,259,551
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
ME 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Maine 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-Hartley77%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,738,130
Self-Funded $2,214,863
Self-Funded Captive $2,273,149
Taft-Hartley $1,582,650
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,738,130
median five-year savings
-13% expected savings
5th−$7,866,48525th−$3,855,845 75th$653,09295th$5,819,780
Self-Funded 99% chance of beating Fully Insured
$2,214,863
median five-year savings
+16% expected savings
5th$748,38725th$1,591,707 75th$3,275,44895th$6,100,341
With additional cost containment: $3.32M to $5.01M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,273,149
median five-year savings
+17% expected savings
5th$990,27625th$1,600,060 75th$3,452,71695th$6,591,901
With additional cost containment: $3.37M to $4.46M more potential savings; win rate rises to ~100%.
Taft-Hartley 77% chance of beating Fully Insured
$1,582,650
median five-year savings
+12% expected savings
5th−$1,313,92025th$122,357 75th$3,759,47995th$8,978,697
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$897 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 · $2,273,149
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
ME 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Maine 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-Hartley82%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,441,722
Self-Funded $4,279,302
Self-Funded Captive $4,290,692
Taft-Hartley $3,184,537
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$3,441,722
median five-year savings
-14% expected savings
5th−$15,620,65625th−$7,308,595 75th$507,05195th$8,340,016
Self-Funded 100% chance of beating Fully Insured
$4,279,302
median five-year savings
+16% expected savings
5th$1,747,88125th$3,035,939 75th$6,320,62295th$11,907,512
With additional cost containment: $6.71M to $8.74M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,290,692
median five-year savings
+16% expected savings
5th$1,896,87425th$3,031,798 75th$6,386,62795th$12,070,293
With additional cost containment: $6.74M to $8.18M more potential savings; win rate rises to ~100%.
Taft-Hartley 82% chance of beating Fully Insured
$3,184,537
median five-year savings
+11% expected savings
5th−$1,764,93425th$637,353 75th$6,602,22695th$14,010,195
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$897 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 · $4,290,692
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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