PEO 93% chance of beating Fully Insured
$117,993
median five-year savings
+20% expected savings
5th−$14,90325th$74,979 75th$146,13995th$171,799
Nebraska Health-Plan Funding Guide
Nebraska 2026 funding analysis (archived)
Plan year 2026 · archived results View the Nebraska 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
NE 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Nebraska market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded78%
Taft-Hartley1%
Five-year median and percentile savings vs staying Fully Insured
PEO $117,993
Level-Funded $93,250
Taft-Hartley −$36,060
5th to 95th percentile 25th to 75th Median
Level-Funded 78% chance of beating Fully Insured
$93,250
median five-year savings
+10% expected savings
5th−$193,79825th$16,382 75th$124,77995th$144,403
With additional cost containment: $115K to $208K more potential savings; win rate rises to ~95%.
Taft-Hartley 1% chance of beating Fully Insured
−$36,060
median five-year savings
-7% expected savings
5th−$59,00425th−$45,029 75th−$25,68095th−$9,995
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$748 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 · $117,993
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
NE 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Nebraska 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-Hartley1%
Five-year median and percentile savings vs staying Fully Insured
PEO $353,978
Level-Funded $419,507
Self-Funded Captive $384,745
Taft-Hartley −$108,181
5th to 95th percentile 25th to 75th Median
PEO 93% chance of beating Fully Insured
$353,978
median five-year savings
+20% expected savings
5th−$44,70825th$224,936 75th$438,41695th$515,396
Level-Funded 89% chance of beating Fully Insured
$419,507
median five-year savings
+21% expected savings
5th−$222,36825th$256,711 75th$490,84295th$549,269
With additional cost containment: $293K to $465K more potential savings; win rate rises to ~99%.
Self-Funded Captive 92% chance of beating Fully Insured
$384,745
median five-year savings
+21% expected savings
5th−$87,42025th$251,163 75th$463,92895th$537,426
With additional cost containment: $300K to $430K more potential savings; win rate rises to ~99%.
Taft-Hartley 1% chance of beating Fully Insured
−$108,181
median five-year savings
-7% expected savings
5th−$177,01125th−$135,087 75th−$77,03995th−$29,985
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$748 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 · $419,507
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
NE 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Nebraska 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-Hartley29%
Five-year median and percentile savings vs staying Fully Insured
PEO −$110,673
Level-Funded $312,531
Self-Funded Captive $455,650
Taft-Hartley −$335,996
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$110,673
median five-year savings
-4% expected savings
5th−$1,317,16325th−$512,655 75th$363,44695th$1,453,739
Level-Funded 91% chance of beating Fully Insured
$312,531
median five-year savings
+11% expected savings
5th−$148,82525th$164,305 75th$576,53595th$1,424,838
With additional cost containment: $798K to $1.17M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$455,650
median five-year savings
+15% expected savings
5th$170,56825th$305,605 75th$727,59695th$1,590,957
With additional cost containment: $770K to $1.02M more potential savings; win rate rises to ~100%.
Taft-Hartley 29% chance of beating Fully Insured
−$335,996
median five-year savings
-7% expected savings
5th−$860,87325th−$613,771 75th$113,57495th$1,176,077
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$748 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 · $455,650
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
NE 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Nebraska 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-Hartley31%
Five-year median and percentile savings vs staying Fully Insured
PEO −$521,688
Self-Funded $1,041,323
Self-Funded Captive $1,094,626
Taft-Hartley −$641,841
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$521,688
median five-year savings
-8% expected savings
5th−$3,374,20025th−$1,529,076 75th$559,31995th$3,167,277
Self-Funded 96% chance of beating Fully Insured
$1,041,323
median five-year savings
+15% expected savings
5th$39,07225th$681,052 75th$1,549,96895th$3,154,023
With additional cost containment: $1.67M to $2.56M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,094,626
median five-year savings
+16% expected savings
5th$500,42025th$774,142 75th$1,658,55795th$3,412,413
With additional cost containment: $1.67M to $2.21M more potential savings; win rate rises to ~100%.
Taft-Hartley 31% chance of beating Fully Insured
−$641,841
median five-year savings
-6% expected savings
5th−$2,014,18425th−$1,327,966 75th$411,01095th$2,859,643
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$748 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 · $1,094,626
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
NE 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Nebraska 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-Hartley35%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,448,442
Self-Funded $1,845,720
Self-Funded Captive $1,969,291
Taft-Hartley −$1,000,841
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,448,442
median five-year savings
-13% expected savings
5th−$6,555,40425th−$3,213,204 75th$544,24395th$4,849,817
Self-Funded 99% chance of beating Fully Insured
$1,845,720
median five-year savings
+16% expected savings
5th$623,65625th$1,326,423 75th$2,729,54095th$5,083,618
With additional cost containment: $2.77M to $4.18M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,969,291
median five-year savings
+17% expected savings
5th$900,23025th$1,408,383 75th$2,952,26395th$5,568,250
With additional cost containment: $2.79M to $3.70M more potential savings; win rate rises to ~100%.
Taft-Hartley 35% chance of beating Fully Insured
−$1,000,841
median five-year savings
-6% expected savings
5th−$3,401,26125th−$2,219,402 75th$815,55595th$5,186,497
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$748 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 · $1,969,291
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
NE 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Nebraska 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-Hartley31%
Five-year median and percentile savings vs staying Fully Insured
PEO −$2,868,102
Self-Funded $3,566,085
Self-Funded Captive $3,725,577
Taft-Hartley −$1,979,290
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$2,868,102
median five-year savings
-14% expected savings
5th−$13,017,21325th−$6,090,496 75th$422,54295th$6,950,014
Self-Funded 100% chance of beating Fully Insured
$3,566,085
median five-year savings
+16% expected savings
5th$1,456,56825th$2,529,950 75th$5,267,18595th$9,922,927
With additional cost containment: $5.59M to $7.28M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,725,577
median five-year savings
+16% expected savings
5th$1,730,72825th$2,676,498 75th$5,472,18995th$10,208,578
With additional cost containment: $5.58M to $6.78M more potential savings; win rate rises to ~100%.
Taft-Hartley 31% chance of beating Fully Insured
−$1,979,290
median five-year savings
-6% expected savings
5th−$6,107,21725th−$4,088,905 75th$873,34595th$7,043,485
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$748 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 · $3,725,577
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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