PEO 93% chance of beating Fully Insured
$132,524
median five-year savings
+19% expected savings
5th−$18,08325th$83,813 75th$164,47895th$193,478
Minnesota Health-Plan Funding Guide
Minnesota 2026 funding analysis (archived)
Plan year 2026 · archived results View the Minnesota 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
MN 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Minnesota market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded79%
Taft-Hartley98%
Five-year median and percentile savings vs staying Fully Insured
PEO $132,524
Level-Funded $108,879
Taft-Hartley $32,157
5th to 95th percentile 25th to 75th Median
Level-Funded 79% chance of beating Fully Insured
$108,879
median five-year savings
+10% expected savings
5th−$212,91425th$22,764 75th$144,25895th$166,152
With additional cost containment: $130K to $233K more potential savings; win rate rises to ~95%.
Taft-Hartley 98% chance of beating Fully Insured
$32,157
median five-year savings
+6% expected savings
5th$6,02225th$22,030 75th$43,65395th$61,444
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$848 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 · $132,524
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
MN 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Minnesota market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded90%
Self-Funded Captive92%
Taft-Hartley98%
Five-year median and percentile savings vs staying Fully Insured
PEO $397,573
Level-Funded $483,833
Self-Funded Captive $438,657
Taft-Hartley $96,472
5th to 95th percentile 25th to 75th Median
PEO 93% chance of beating Fully Insured
$397,573
median five-year savings
+19% expected savings
5th−$54,24925th$251,440 75th$493,43395th$580,434
Level-Funded 90% chance of beating Fully Insured
$483,833
median five-year savings
+22% expected savings
5th−$235,88925th$301,861 75th$563,69795th$628,953
With additional cost containment: $329K to $521K more potential savings; win rate rises to ~99%.
Self-Funded Captive 92% chance of beating Fully Insured
$438,657
median five-year savings
+21% expected savings
5th−$93,56125th$288,795 75th$526,99395th$609,486
With additional cost containment: $338K to $484K more potential savings; win rate rises to ~99%.
Taft-Hartley 98% chance of beating Fully Insured
$96,472
median five-year savings
+6% expected savings
5th$18,06625th$66,091 75th$130,95995th$184,332
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$848 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 · $483,833
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
MN 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Minnesota 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-Hartley58%
Five-year median and percentile savings vs staying Fully Insured
PEO −$149,196
Level-Funded $362,581
Self-Funded Captive $507,386
Taft-Hartley $103,844
5th to 95th percentile 25th to 75th Median
PEO 42% chance of beating Fully Insured
−$149,196
median five-year savings
-5% expected savings
5th−$1,521,76725th−$610,492 75th$366,36695th$1,535,945
Level-Funded 92% chance of beating Fully Insured
$362,581
median five-year savings
+11% expected savings
5th−$145,84825th$203,314 75th$635,55095th$1,512,313
With additional cost containment: $895K to $1.31M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$507,386
median five-year savings
+15% expected savings
5th$201,71425th$348,034 75th$787,07995th$1,680,578
With additional cost containment: $869K to $1.15M more potential savings; win rate rises to ~100%.
Taft-Hartley 58% chance of beating Fully Insured
$103,844
median five-year savings
+5% expected savings
5th−$473,37125th−$201,167 75th$585,47795th$1,717,727
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$848 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 · $507,386
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
MN 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Minnesota 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-Hartley60%
Five-year median and percentile savings vs staying Fully Insured
PEO −$661,339
Self-Funded $1,186,866
Self-Funded Captive $1,212,266
Taft-Hartley $312,575
5th to 95th percentile 25th to 75th Median
PEO 35% chance of beating Fully Insured
−$661,339
median five-year savings
-9% expected savings
5th−$3,890,13325th−$1,781,549 75th$528,34095th$3,329,658
Self-Funded 96% chance of beating Fully Insured
$1,186,866
median five-year savings
+15% expected savings
5th$97,61525th$802,602 75th$1,715,96095th$3,367,926
With additional cost containment: $1.87M to $2.87M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,212,266
median five-year savings
+16% expected savings
5th$581,54225th$872,856 75th$1,798,49395th$3,619,094
With additional cost containment: $1.88M to $2.49M more potential savings; win rate rises to ~100%.
Taft-Hartley 60% chance of beating Fully Insured
$312,575
median five-year savings
+5% expected savings
5th−$1,200,55825th−$448,867 75th$1,471,29595th$4,107,165
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$848 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 · $1,212,266
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
MN 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Minnesota 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-Hartley60%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,768,689
Self-Funded $2,098,266
Self-Funded Captive $2,180,868
Taft-Hartley $577,701
5th to 95th percentile 25th to 75th Median
PEO 29% chance of beating Fully Insured
−$1,768,689
median five-year savings
-14% expected savings
5th−$7,534,23625th−$3,755,878 75th$424,55895th$5,142,766
Self-Funded 99% chance of beating Fully Insured
$2,098,266
median five-year savings
+16% expected savings
5th$805,30125th$1,542,419 75th$3,027,15095th$5,443,292
With additional cost containment: $3.11M to $4.69M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,180,868
median five-year savings
+17% expected savings
5th$1,046,86425th$1,574,200 75th$3,215,51195th$6,044,140
With additional cost containment: $3.14M to $4.16M more potential savings; win rate rises to ~100%.
Taft-Hartley 60% chance of beating Fully Insured
$577,701
median five-year savings
+6% expected savings
5th−$2,065,39425th−$758,156 75th$2,559,39295th$7,252,684
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$848 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 · $2,180,868
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
MN 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Minnesota 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-Hartley63%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,497,752
Self-Funded $4,049,120
Self-Funded Captive $4,126,187
Taft-Hartley $1,230,346
5th to 95th percentile 25th to 75th Median
PEO 26% chance of beating Fully Insured
−$3,497,752
median five-year savings
-15% expected savings
5th−$14,966,27225th−$7,114,840 75th$136,52495th$7,008,950
Self-Funded 100% chance of beating Fully Insured
$4,049,120
median five-year savings
+16% expected savings
5th$1,816,06225th$2,965,705 75th$5,854,18995th$10,634,326
With additional cost containment: $6.28M to $8.17M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,126,187
median five-year savings
+16% expected savings
5th$2,001,33325th$3,005,991 75th$5,976,13195th$10,934,973
With additional cost containment: $6.30M to $7.63M more potential savings; win rate rises to ~100%.
Taft-Hartley 63% chance of beating Fully Insured
$1,230,346
median five-year savings
+5% expected savings
5th−$3,332,39925th−$1,100,478 75th$4,295,27395th$11,040,503
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$848 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 · $4,126,187
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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