PEO 90% chance of beating Fully Insured
$117,731
median five-year savings
+16% expected savings
5th−$48,05525th$64,784 75th$152,52795th$184,195
Maryland Health-Plan Funding Guide
Maryland 2026 funding analysis (archived)
Plan year 2026 · archived results View the Maryland 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
MD 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Maryland market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO90%
Level-Funded74%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $117,731
Level-Funded $91,639
Taft-Hartley $62,058
5th to 95th percentile 25th to 75th Median
Level-Funded 74% chance of beating Fully Insured
$91,639
median five-year savings
+6% expected savings
5th−$262,49425th−$2,894 75th$130,36295th$154,494
With additional cost containment: $142K to $256K more potential savings; win rate rises to ~93%.
Taft-Hartley 100% chance of beating Fully Insured
$62,058
median five-year savings
+10% expected savings
5th$34,72325th$51,316 75th$74,19695th$92,949
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$931 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 · $117,731
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
MD 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Maryland market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO90%
Level-Funded87%
Self-Funded Captive89%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $353,193
Level-Funded $447,958
Self-Funded Captive $392,594
Taft-Hartley $186,174
5th to 95th percentile 25th to 75th Median
PEO 90% chance of beating Fully Insured
$353,193
median five-year savings
+16% expected savings
5th−$144,16425th$194,353 75th$457,58195th$552,585
Level-Funded 87% chance of beating Fully Insured
$447,958
median five-year savings
+18% expected savings
5th−$343,65625th$247,695 75th$535,55395th$607,961
With additional cost containment: $361K to $573K more potential savings; win rate rises to ~99%.
Self-Funded Captive 89% chance of beating Fully Insured
$392,594
median five-year savings
+17% expected savings
5th−$190,04525th$228,122 75th$490,20395th$580,331
With additional cost containment: $373K to $533K more potential savings; win rate rises to ~99%.
Taft-Hartley 100% chance of beating Fully Insured
$186,174
median five-year savings
+10% expected savings
5th$104,16825th$153,948 75th$222,58795th$278,846
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$931 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 · $447,958
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
MD 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Maryland 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-Hartley88%
Five-year median and percentile savings vs staying Fully Insured
PEO −$163,823
Level-Funded $398,129
Self-Funded Captive $544,777
Taft-Hartley $494,771
5th to 95th percentile 25th to 75th Median
PEO 42% chance of beating Fully Insured
−$163,823
median five-year savings
-5% expected savings
5th−$1,670,96025th−$670,344 75th$402,28495th$1,686,528
Level-Funded 92% chance of beating Fully Insured
$398,129
median five-year savings
+11% expected savings
5th−$160,14725th$223,247 75th$697,85995th$1,660,579
With additional cost containment: $983K to $1.44M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$544,777
median five-year savings
+15% expected savings
5th$209,13725th$369,802 75th$851,89195th$1,832,988
With additional cost containment: $957K to $1.27M more potential savings; win rate rises to ~100%.
Taft-Hartley 88% chance of beating Fully Insured
$494,771
median five-year savings
+13% expected savings
5th−$141,10125th$160,471 75th$1,023,49095th$2,267,633
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$931 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 · $544,777
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
MD 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Maryland 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-Hartley85%
Five-year median and percentile savings vs staying Fully Insured
PEO −$726,176
Self-Funded $1,303,225
Self-Funded Captive $1,304,645
Taft-Hartley $1,163,029
5th to 95th percentile 25th to 75th Median
PEO 35% chance of beating Fully Insured
−$726,176
median five-year savings
-9% expected savings
5th−$4,271,51925th−$1,956,211 75th$580,13895th$3,656,095
Self-Funded 96% chance of beating Fully Insured
$1,303,225
median five-year savings
+15% expected savings
5th$107,18525th$881,289 75th$1,884,19195th$3,698,115
With additional cost containment: $2.06M to $3.15M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,304,645
median five-year savings
+16% expected savings
5th$612,08625th$931,959 75th$1,948,34595th$3,947,436
With additional cost containment: $2.07M to $2.74M more potential savings; win rate rises to ~100%.
Taft-Hartley 85% chance of beating Fully Insured
$1,163,029
median five-year savings
+14% expected savings
5th−$499,03925th$323,185 75th$2,428,91095th$5,334,047
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$931 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 · $1,304,645
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
MD 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Maryland 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-Hartley84%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,942,090
Self-Funded $2,303,978
Self-Funded Captive $2,350,561
Taft-Hartley $1,995,280
5th to 95th percentile 25th to 75th Median
PEO 29% chance of beating Fully Insured
−$1,942,090
median five-year savings
-14% expected savings
5th−$8,272,88625th−$4,124,101 75th$466,18295th$5,646,959
Self-Funded 99% chance of beating Fully Insured
$2,303,978
median five-year savings
+16% expected savings
5th$884,25225th$1,693,636 75th$3,323,92995th$5,976,948
With additional cost containment: $3.41M to $5.15M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,350,561
median five-year savings
+17% expected savings
5th$1,105,38025th$1,684,415 75th$3,486,63995th$6,592,586
With additional cost containment: $3.46M to $4.58M more potential savings; win rate rises to ~100%.
Taft-Hartley 84% chance of beating Fully Insured
$1,995,280
median five-year savings
+14% expected savings
5th−$907,59225th$531,458 75th$4,178,23395th$9,326,202
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$931 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 · $2,350,561
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
MD 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Maryland 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-Hartley89%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,840,669
Self-Funded $4,446,093
Self-Funded Captive $4,442,479
Taft-Hartley $4,080,529
5th to 95th percentile 25th to 75th Median
PEO 26% chance of beating Fully Insured
−$3,840,669
median five-year savings
-15% expected savings
5th−$16,433,55325th−$7,812,373 75th$149,90895th$7,696,103
Self-Funded 100% chance of beating Fully Insured
$4,446,093
median five-year savings
+16% expected savings
5th$1,994,10725th$3,256,461 75th$6,428,12995th$11,676,907
With additional cost containment: $6.89M to $8.97M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,442,479
median five-year savings
+16% expected savings
5th$2,109,30625th$3,212,461 75th$6,473,79195th$11,918,794
With additional cost containment: $6.94M to $8.40M more potential savings; win rate rises to ~100%.
Taft-Hartley 89% chance of beating Fully Insured
$4,080,529
median five-year savings
+14% expected savings
5th−$923,21425th$1,524,438 75th$7,433,46095th$14,816,455
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$931 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 · $4,446,093
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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