PEO 93% chance of beating Fully Insured
$170,434
median five-year savings
+20% expected savings
5th−$21,52625th$108,303 75th$211,08995th$248,154
Massachusetts Health-Plan Funding Guide
Massachusetts 2026 funding analysis (archived)
Plan year 2026 · archived results View the Massachusetts 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
MA 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Massachusetts market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded76%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $170,434
Level-Funded $122,951
Taft-Hartley $195,192
5th to 95th percentile 25th to 75th Median
Level-Funded 76% chance of beating Fully Insured
$122,951
median five-year savings
+8% expected savings
5th−$300,56225th$9,939 75th$170,07395th$199,036
With additional cost containment: $168K to $306K more potential savings; win rate rises to ~94%.
Taft-Hartley 100% chance of beating Fully Insured
$195,192
median five-year savings
+26% expected savings
5th$162,43525th$182,192 75th$209,87895th$231,670
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,080 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 medianTaft-Hartley · $195,192
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
MA 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Massachusetts market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded88%
Self-Funded Captive91%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $511,302
Level-Funded $575,775
Self-Funded Captive $497,761
Taft-Hartley $585,576
5th to 95th percentile 25th to 75th Median
PEO 93% chance of beating Fully Insured
$511,302
median five-year savings
+20% expected savings
5th−$64,57825th$324,908 75th$633,26895th$744,462
Level-Funded 88% chance of beating Fully Insured
$575,775
median five-year savings
+20% expected savings
5th−$372,12225th$334,781 75th$681,05795th$767,835
With additional cost containment: $431K to $685K more potential savings; win rate rises to ~99%.
Self-Funded Captive 91% chance of beating Fully Insured
$497,761
median five-year savings
+18% expected savings
5th−$189,77925th$302,028 75th$615,04195th$723,544
With additional cost containment: $449K to $636K more potential savings; win rate rises to ~99%.
Taft-Hartley 100% chance of beating Fully Insured
$585,576
median five-year savings
+26% expected savings
5th$487,30525th$546,576 75th$629,63495th$695,010
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,080 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 medianTaft-Hartley · $585,576
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
MA 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Massachusetts market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO47%
Level-Funded89%
Self-Funded Captive99%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO −$80,938
Level-Funded $430,350
Self-Funded Captive $585,525
Taft-Hartley $1,330,910
5th to 95th percentile 25th to 75th Median
PEO 47% chance of beating Fully Insured
−$80,938
median five-year savings
-2% expected savings
5th−$1,856,85525th−$662,637 75th$648,22495th$2,335,552
Level-Funded 89% chance of beating Fully Insured
$430,350
median five-year savings
+11% expected savings
5th−$289,04325th$196,663 75th$880,50495th$2,264,252
With additional cost containment: $1.18M to $1.72M more potential savings; win rate rises to ~100%.
Self-Funded Captive 99% chance of beating Fully Insured
$585,525
median five-year savings
+14% expected savings
5th$124,26125th$341,940 75th$1,034,05595th$2,543,978
With additional cost containment: $1.15M to $1.52M more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$1,330,910
median five-year savings
+27% expected savings
5th$509,81525th$899,963 75th$2,027,01295th$3,765,020
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,080 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 costTaft-Hartley · ~19% cheaper
Highest modeled five-year medianTaft-Hartley · $1,330,910
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
MA 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Massachusetts market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO40%
Self-Funded94%
Self-Funded Captive100%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO −$575,908
Self-Funded $1,488,214
Self-Funded Captive $1,433,000
Taft-Hartley $2,971,618
5th to 95th percentile 25th to 75th Median
PEO 40% chance of beating Fully Insured
−$575,908
median five-year savings
-7% expected savings
5th−$4,738,78525th−$2,056,467 75th$1,028,06995th$5,190,554
Self-Funded 94% chance of beating Fully Insured
$1,488,214
median five-year savings
+15% expected savings
5th−$101,29125th$905,015 75th$2,346,77295th$5,094,737
With additional cost containment: $2.46M to $3.77M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,433,000
median five-year savings
+15% expected savings
5th$463,12625th$908,864 75th$2,381,19795th$5,320,225
With additional cost containment: $2.49M to $3.29M more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$2,971,618
median five-year savings
+28% expected savings
5th$873,77925th$1,908,776 75th$4,605,25795th$8,522,934
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,080 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 costTaft-Hartley · ~19% cheaper
Highest modeled five-year medianTaft-Hartley · $2,971,618
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
MA 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Massachusetts market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO34%
Self-Funded98%
Self-Funded Captive100%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,758,800
Self-Funded $2,652,901
Self-Funded Captive $2,635,805
Taft-Hartley $5,079,783
5th to 95th percentile 25th to 75th Median
PEO 34% chance of beating Fully Insured
−$1,758,800
median five-year savings
-11% expected savings
5th−$9,196,81925th−$4,434,793 75th$1,263,89695th$7,854,113
Self-Funded 98% chance of beating Fully Insured
$2,652,901
median five-year savings
+16% expected savings
5th$663,91225th$1,789,369 75th$4,117,64795th$8,153,855
With additional cost containment: $4.08M to $6.16M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,635,805
median five-year savings
+16% expected savings
5th$900,59725th$1,724,401 75th$4,270,49295th$8,604,326
With additional cost containment: $4.16M to $5.49M more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$5,079,783
median five-year savings
+28% expected savings
5th$1,416,17925th$3,192,343 75th$7,794,30495th$14,393,671
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,080 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 costTaft-Hartley · ~19% cheaper
Highest modeled five-year medianTaft-Hartley · $5,079,783
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
MA 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Massachusetts market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO31%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,505,919
Self-Funded $5,135,729
Self-Funded Captive $4,918,162
Taft-Hartley $10,175,473
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$3,505,919
median five-year savings
-12% expected savings
5th−$18,099,39225th−$8,299,327 75th$1,317,37595th$11,766,682
Self-Funded 100% chance of beating Fully Insured
$5,135,729
median five-year savings
+16% expected savings
5th$1,650,17725th$3,407,507 75th$7,983,42995th$15,962,165
With additional cost containment: $8.22M to $10.75M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,918,162
median five-year savings
+15% expected savings
5th$1,674,27225th$3,224,236 75th$7,804,98695th$15,987,579
With additional cost containment: $8.33M to $10.10M more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$10,175,473
median five-year savings
+28% expected savings
5th$3,895,41825th$6,917,181 75th$14,655,83295th$24,110,866
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,080 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 costTaft-Hartley · ~19% cheaper
Highest modeled five-year medianTaft-Hartley · $10,175,473
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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