PEO 85% chance of beating Fully Insured
$63,334
median five-year savings
+12% expected savings
5th−$54,82325th$26,070 75th$88,27495th$110,579
Mississippi Health-Plan Funding Guide
Mississippi 2026 funding analysis (archived)
Plan year 2026 · archived results View the Mississippi 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
MS 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Mississippi market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO85%
Level-Funded68%
Taft-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $63,334
Level-Funded $40,946
Taft-Hartley −$135,268
5th to 95th percentile 25th to 75th Median
Level-Funded 68% chance of beating Fully Insured
$40,946
median five-year savings
+1% expected savings
5th−$215,78425th−$27,084 75th$69,43095th$86,806
With additional cost containment: $102K to $185K more potential savings; win rate rises to ~91%.
Taft-Hartley 0% chance of beating Fully Insured
−$135,268
median five-year savings
-32% expected savings
5th−$154,26625th−$142,732 75th−$126,56495th−$113,457
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$665 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 · $63,334
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
MS 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Mississippi market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO85%
Level-Funded84%
Self-Funded Captive86%
Taft-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $190,001
Level-Funded $249,348
Self-Funded Captive $223,356
Taft-Hartley −$405,803
5th to 95th percentile 25th to 75th Median
PEO 85% chance of beating Fully Insured
$190,001
median five-year savings
+12% expected savings
5th−$164,47025th$78,210 75th$264,82195th$331,738
Level-Funded 84% chance of beating Fully Insured
$249,348
median five-year savings
+13% expected savings
5th−$322,21025th$102,905 75th$312,18095th$363,480
With additional cost containment: $260K to $413K more potential savings; win rate rises to ~98%.
Self-Funded Captive 86% chance of beating Fully Insured
$223,356
median five-year savings
+14% expected savings
5th−$195,25025th$104,604 75th$294,33095th$358,640
With additional cost containment: $265K to $380K more potential savings; win rate rises to ~99%.
Taft-Hartley 0% chance of beating Fully Insured
−$405,803
median five-year savings
-32% expected savings
5th−$462,79725th−$428,197 75th−$379,69395th−$340,370
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$665 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 · $249,348
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
MS 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Mississippi 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-Hartley14%
Five-year median and percentile savings vs staying Fully Insured
PEO −$98,376
Level-Funded $277,805
Self-Funded Captive $419,023
Taft-Hartley −$732,551
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$98,376
median five-year savings
-4% expected savings
5th−$1,170,81225th−$455,693 75th$323,06395th$1,292,212
Level-Funded 91% chance of beating Fully Insured
$277,805
median five-year savings
+11% expected savings
5th−$132,28925th$146,048 75th$512,47595th$1,266,523
With additional cost containment: $710K to $1.04M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$419,023
median five-year savings
+16% expected savings
5th$165,61625th$285,649 75th$660,75295th$1,428,184
With additional cost containment: $681K to $904K more potential savings; win rate rises to ~100%.
Taft-Hartley 14% chance of beating Fully Insured
−$732,551
median five-year savings
-20% expected savings
5th−$1,199,75225th−$977,514 75th−$330,26995th$613,588
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$665 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 · $419,023
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
MS 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Mississippi 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-Hartley16%
Five-year median and percentile savings vs staying Fully Insured
PEO −$463,723
Self-Funded $925,621
Self-Funded Captive $1,003,001
Taft-Hartley −$1,495,852
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$463,723
median five-year savings
-8% expected savings
5th−$2,999,28925th−$1,359,178 75th$497,17295th$2,815,357
Self-Funded 96% chance of beating Fully Insured
$925,621
median five-year savings
+15% expected savings
5th$34,73025th$605,379 75th$1,377,74995th$2,803,576
With additional cost containment: $1.48M to $2.27M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,003,001
median five-year savings
+17% expected savings
5th$474,81825th$718,126 75th$1,504,27395th$3,063,256
With additional cost containment: $1.47M to $1.96M more potential savings; win rate rises to ~100%.
Taft-Hartley 16% chance of beating Fully Insured
−$1,495,852
median five-year savings
-20% expected savings
5th−$2,716,63925th−$2,108,793 75th−$560,15195th$1,618,531
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$665 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 · $1,003,001
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
MS 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Mississippi 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-Hartley18%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,287,504
Self-Funded $1,640,640
Self-Funded Captive $1,800,481
Taft-Hartley −$2,431,504
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,287,504
median five-year savings
-13% expected savings
5th−$5,827,02625th−$2,856,182 75th$483,77295th$4,310,948
Self-Funded 99% chance of beating Fully Insured
$1,640,640
median five-year savings
+16% expected savings
5th$554,36125th$1,179,042 75th$2,426,25895th$4,518,771
With additional cost containment: $2.46M to $3.71M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,800,481
median five-year savings
+18% expected savings
5th$850,20525th$1,301,896 75th$2,674,23495th$4,999,556
With additional cost containment: $2.46M to $3.27M more potential savings; win rate rises to ~100%.
Taft-Hartley 18% chance of beating Fully Insured
−$2,431,504
median five-year savings
-19% expected savings
5th−$4,572,15225th−$3,521,423 75th−$814,87695th$3,079,193
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$665 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 · $1,800,481
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
MS 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Mississippi 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-Hartley12%
Five-year median and percentile savings vs staying Fully Insured
PEO −$2,549,424
Self-Funded $3,169,853
Self-Funded Captive $3,411,624
Taft-Hartley −$4,838,956
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$2,549,424
median five-year savings
-14% expected savings
5th−$11,570,85625th−$5,413,774 75th$375,59395th$6,177,790
Self-Funded 100% chance of beating Fully Insured
$3,169,853
median five-year savings
+16% expected savings
5th$1,294,72725th$2,248,844 75th$4,681,94295th$8,820,379
With additional cost containment: $4.97M to $6.48M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,411,624
median five-year savings
+17% expected savings
5th$1,638,42525th$2,479,110 75th$4,964,16895th$9,174,291
With additional cost containment: $4.93M to $6.00M more potential savings; win rate rises to ~100%.
Taft-Hartley 12% chance of beating Fully Insured
−$4,838,956
median five-year savings
-20% expected savings
5th−$8,523,36525th−$6,727,862 75th−$2,305,64195th$3,172,523
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$665 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 · $3,411,624
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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