PEO 93% chance of beating Fully Insured
$117,804
median five-year savings
+19% expected savings
5th−$21,04325th$73,093 75th$147,24395th$173,799
Montana Health-Plan Funding Guide
Montana 2026 funding analysis (archived)
Plan year 2026 · archived results View the Montana 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
MT 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Montana market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded77%
Taft-Hartley12%
Five-year median and percentile savings vs staying Fully Insured
PEO $117,804
Level-Funded $91,869
Taft-Hartley −$18,347
5th to 95th percentile 25th to 75th Median
Level-Funded 77% chance of beating Fully Insured
$91,869
median five-year savings
+9% expected savings
5th−$207,75825th$11,602 75th$124,93495th$145,391
With additional cost containment: $120K to $217K more potential savings; win rate rises to ~94%.
Taft-Hartley 12% chance of beating Fully Insured
−$18,347
median five-year savings
-3% expected savings
5th−$42,10125th−$27,602 75th−$7,67095th$8,611
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$781 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 · $117,804
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
MT 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Montana market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded89%
Self-Funded Captive92%
Taft-Hartley12%
Five-year median and percentile savings vs staying Fully Insured
PEO $353,413
Level-Funded $422,152
Self-Funded Captive $383,024
Taft-Hartley −$55,040
5th to 95th percentile 25th to 75th Median
PEO 93% chance of beating Fully Insured
$353,413
median five-year savings
+19% expected savings
5th−$63,12925th$219,280 75th$441,73095th$521,398
Level-Funded 89% chance of beating Fully Insured
$422,152
median five-year savings
+20% expected savings
5th−$248,72925th$251,759 75th$496,66995th$557,180
With additional cost containment: $306K to $485K more potential savings; win rate rises to ~99%.
Self-Funded Captive 92% chance of beating Fully Insured
$383,024
median five-year savings
+20% expected savings
5th−$109,78325th$243,958 75th$466,27995th$542,703
With additional cost containment: $314K to $449K more potential savings; win rate rises to ~99%.
Taft-Hartley 12% chance of beating Fully Insured
−$55,040
median five-year savings
-3% expected savings
5th−$126,30225th−$82,807 75th−$23,01095th$25,834
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$781 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 · $422,152
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
MT 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Montana 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-Hartley38%
Five-year median and percentile savings vs staying Fully Insured
PEO −$115,591
Level-Funded $326,421
Self-Funded Captive $470,302
Taft-Hartley −$178,251
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$115,591
median five-year savings
-4% expected savings
5th−$1,375,70425th−$535,439 75th$379,60095th$1,518,349
Level-Funded 91% chance of beating Fully Insured
$326,421
median five-year savings
+11% expected savings
5th−$155,43925th$171,607 75th$602,15895th$1,488,164
With additional cost containment: $834K to $1.22M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$470,302
median five-year savings
+15% expected savings
5th$172,54925th$313,587 75th$754,33495th$1,656,066
With additional cost containment: $806K to $1.07M more potential savings; win rate rises to ~100%.
Taft-Hartley 38% chance of beating Fully Insured
−$178,251
median five-year savings
-2% expected savings
5th−$727,94725th−$468,870 75th$290,70795th$1,401,072
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$781 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 · $470,302
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
MT 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Montana 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-Hartley40%
Five-year median and percentile savings vs staying Fully Insured
PEO −$544,875
Self-Funded $1,087,604
Self-Funded Captive $1,131,276
Taft-Hartley −$299,193
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$544,875
median five-year savings
-8% expected savings
5th−$3,524,16425th−$1,597,034 75th$584,17795th$3,308,044
Self-Funded 96% chance of beating Fully Insured
$1,087,604
median five-year savings
+15% expected savings
5th$40,80825th$711,321 75th$1,618,85595th$3,294,202
With additional cost containment: $1.74M to $2.67M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,131,276
median five-year savings
+16% expected savings
5th$510,66125th$796,548 75th$1,720,27195th$3,552,075
With additional cost containment: $1.75M to $2.31M more potential savings; win rate rises to ~100%.
Taft-Hartley 40% chance of beating Fully Insured
−$299,193
median five-year savings
-2% expected savings
5th−$1,730,97225th−$1,013,793 75th$798,37395th$3,356,492
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$781 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 · $1,131,276
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
MT 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Montana 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-Hartley44%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,512,817
Self-Funded $1,927,752
Self-Funded Captive $2,036,815
Taft-Hartley −$427,751
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,512,817
median five-year savings
-13% expected savings
5th−$6,846,75625th−$3,356,013 75th$568,43295th$5,065,364
Self-Funded 99% chance of beating Fully Insured
$1,927,752
median five-year savings
+16% expected savings
5th$651,37425th$1,385,375 75th$2,850,85395th$5,309,556
With additional cost containment: $2.89M to $4.36M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,036,815
median five-year savings
+17% expected savings
5th$920,24025th$1,450,978 75th$3,063,47595th$5,795,728
With additional cost containment: $2.92M to $3.87M more potential savings; win rate rises to ~100%.
Taft-Hartley 44% chance of beating Fully Insured
−$427,751
median five-year savings
-1% expected savings
5th−$2,936,86625th−$1,700,077 75th$1,471,67295th$6,029,419
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$781 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 · $2,036,815
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
MT 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Montana 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-Hartley41%
Five-year median and percentile savings vs staying Fully Insured
PEO −$2,995,573
Self-Funded $3,724,577
Self-Funded Captive $3,851,158
Taft-Hartley −$826,498
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$2,995,573
median five-year savings
-14% expected savings
5th−$13,595,75625th−$6,361,184 75th$441,32295th$7,258,903
Self-Funded 100% chance of beating Fully Insured
$3,724,577
median five-year savings
+16% expected savings
5th$1,521,30425th$2,642,392 75th$5,501,28295th$10,363,946
With additional cost containment: $5.84M to $7.61M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,851,158
median five-year savings
+16% expected savings
5th$1,767,65025th$2,755,454 75th$5,675,39895th$10,622,292
With additional cost containment: $5.84M to $7.09M more potential savings; win rate rises to ~100%.
Taft-Hartley 41% chance of beating Fully Insured
−$826,498
median five-year savings
-2% expected savings
5th−$5,138,61925th−$3,031,096 75th$2,140,65595th$8,591,870
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$781 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 · $3,851,158
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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