PEO 90% chance of beating Fully Insured
$93,481
median five-year savings
+16% expected savings
5th−$36,77125th$51,843 75th$120,82395th$145,720
Missouri Health-Plan Funding Guide
Missouri 2026 funding analysis (archived)
Plan year 2026 · archived results View the Missouri 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
MO 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Missouri market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO90%
Level-Funded74%
Taft-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $93,481
Level-Funded $69,129
Taft-Hartley −$69,439
5th to 95th percentile 25th to 75th Median
Level-Funded 74% chance of beating Fully Insured
$69,129
median five-year savings
+6% expected savings
5th−$212,27425th−$5,942 75th$99,86295th$119,243
With additional cost containment: $112K to $203K more potential savings; win rate rises to ~93%.
Taft-Hartley 0% chance of beating Fully Insured
−$69,439
median five-year savings
-14% expected savings
5th−$91,08025th−$77,929 75th−$59,63195th−$44,815
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$731 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 · $93,481
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 10 enrolled employees. Actual quotes and underwriting can materially change results.
30 Employees
MO 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Missouri 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-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $280,442
Level-Funded $344,719
Self-Funded Captive $311,612
Taft-Hartley −$208,318
5th to 95th percentile 25th to 75th Median
PEO 90% chance of beating Fully Insured
$280,442
median five-year savings
+16% expected savings
5th−$110,31225th$155,530 75th$362,47095th$437,160
Level-Funded 87% chance of beating Fully Insured
$344,719
median five-year savings
+18% expected savings
5th−$283,66425th$185,559 75th$414,31395th$471,697
With additional cost containment: $286K to $454K more potential savings; win rate rises to ~98%.
Self-Funded Captive 89% chance of beating Fully Insured
$311,612
median five-year savings
+17% expected savings
5th−$149,42325th$180,711 75th$389,04995th$460,929
With additional cost containment: $293K to $420K more potential savings; win rate rises to ~99%.
Taft-Hartley 0% chance of beating Fully Insured
−$208,318
median five-year savings
-14% expected savings
5th−$273,24025th−$233,788 75th−$178,89495th−$134,445
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$731 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 · $344,719
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
MO 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Missouri 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-Hartley26%
Five-year median and percentile savings vs staying Fully Insured
PEO −$108,213
Level-Funded $305,586
Self-Funded Captive $448,325
Taft-Hartley −$415,081
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$108,213
median five-year savings
-4% expected savings
5th−$1,287,89325th−$501,262 75th$355,37095th$1,421,433
Level-Funded 91% chance of beating Fully Insured
$305,586
median five-year savings
+11% expected savings
5th−$145,51825th$160,653 75th$563,72395th$1,393,175
With additional cost containment: $781K to $1.15M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$448,325
median five-year savings
+15% expected savings
5th$169,57825th$301,614 75th$714,22795th$1,558,402
With additional cost containment: $753K to $998K more potential savings; win rate rises to ~100%.
Taft-Hartley 26% chance of beating Fully Insured
−$415,081
median five-year savings
-9% expected savings
5th−$928,49825th−$686,496 75th$25,00795th$1,063,579
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$731 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 · $448,325
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
MO 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Missouri 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-Hartley29%
Five-year median and percentile savings vs staying Fully Insured
PEO −$510,095
Self-Funded $1,018,183
Self-Funded Captive $1,076,301
Taft-Hartley −$811,818
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$510,095
median five-year savings
-8% expected savings
5th−$3,299,21825th−$1,495,096 75th$546,88995th$3,096,893
Self-Funded 96% chance of beating Fully Insured
$1,018,183
median five-year savings
+15% expected savings
5th$38,20325th$665,917 75th$1,515,52495th$3,083,933
With additional cost containment: $1.63M to $2.50M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,076,301
median five-year savings
+17% expected savings
5th$495,30025th$762,939 75th$1,627,70095th$3,342,581
With additional cost containment: $1.63M to $2.16M more potential savings; win rate rises to ~100%.
Taft-Hartley 29% chance of beating Fully Insured
−$811,818
median five-year savings
-9% expected savings
5th−$2,155,79125th−$1,485,053 75th$218,75395th$2,609,661
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$731 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 · $1,076,301
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
MO 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Missouri 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-Hartley30%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,416,254
Self-Funded $1,804,704
Self-Funded Captive $1,935,529
Taft-Hartley −$1,287,320
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,416,254
median five-year savings
-13% expected savings
5th−$6,409,72925th−$3,141,800 75th$532,14995th$4,742,043
Self-Funded 99% chance of beating Fully Insured
$1,804,704
median five-year savings
+16% expected savings
5th$609,79725th$1,296,947 75th$2,668,88495th$4,970,648
With additional cost containment: $2.71M to $4.09M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,935,529
median five-year savings
+17% expected savings
5th$890,22525th$1,387,086 75th$2,896,65895th$5,454,512
With additional cost containment: $2.72M to $3.61M more potential savings; win rate rises to ~100%.
Taft-Hartley 30% chance of beating Fully Insured
−$1,287,320
median five-year savings
-8% expected savings
5th−$3,633,62025th−$2,479,531 75th$491,33795th$4,765,036
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$731 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 · $1,935,529
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
MO 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Missouri 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-Hartley26%
Five-year median and percentile savings vs staying Fully Insured
PEO −$2,804,366
Self-Funded $3,486,838
Self-Funded Captive $3,662,786
Taft-Hartley −$2,547,943
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$2,804,366
median five-year savings
-14% expected savings
5th−$12,727,94225th−$5,955,151 75th$413,15395th$6,795,569
Self-Funded 100% chance of beating Fully Insured
$3,486,838
median five-year savings
+16% expected savings
5th$1,424,20025th$2,473,728 75th$5,150,13795th$9,702,417
With additional cost containment: $5.47M to $7.12M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,662,786
median five-year savings
+16% expected savings
5th$1,712,26825th$2,637,021 75th$5,370,58595th$10,001,720
With additional cost containment: $5.45M to $6.62M more potential savings; win rate rises to ~100%.
Taft-Hartley 26% chance of beating Fully Insured
−$2,547,943
median five-year savings
-9% expected savings
5th−$6,591,51625th−$4,615,873 75th$239,09995th$6,269,293
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$731 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 · $3,662,786
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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