PEO 93% chance of beating Fully Insured
$120,584
median five-year savings
+18% expected savings
5th−$24,20825th$74,032 75th$151,23295th$178,916
Nevada Health-Plan Funding Guide
Nevada 2026 funding analysis (archived)
Plan year 2026 · archived results View the Nevada 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
NV 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Nevada market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded77%
Taft-Hartley56%
Five-year median and percentile savings vs staying Fully Insured
PEO $120,584
Level-Funded $93,490
Taft-Hartley $2,348
5th to 95th percentile 25th to 75th Median
Level-Funded 77% chance of beating Fully Insured
$93,490
median five-year savings
+8% expected savings
5th−$218,96225th$9,825 75th$128,05195th$149,334
With additional cost containment: $125K to $226K more potential savings; win rate rises to ~94%.
Taft-Hartley 56% chance of beating Fully Insured
$2,348
median five-year savings
+0% expected savings
5th−$22,40525th−$7,294 75th$13,26395th$30,366
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$814 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 · $120,584
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
NV 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Nevada market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded88%
Self-Funded Captive91%
Taft-Hartley56%
Five-year median and percentile savings vs staying Fully Insured
PEO $361,751
Level-Funded $433,424
Self-Funded Captive $390,302
Taft-Hartley $7,044
5th to 95th percentile 25th to 75th Median
PEO 93% chance of beating Fully Insured
$361,751
median five-year savings
+18% expected savings
5th−$72,62325th$222,095 75th$453,69795th$536,748
Level-Funded 88% chance of beating Fully Insured
$433,424
median five-year savings
+20% expected savings
5th−$266,13925th$255,822 75th$510,77295th$574,337
With additional cost containment: $319K to $506K more potential savings; win rate rises to ~99%.
Self-Funded Captive 91% chance of beating Fully Insured
$390,302
median five-year savings
+20% expected savings
5th−$123,41225th$245,431 75th$477,15995th$556,821
With additional cost containment: $328K to $469K more potential savings; win rate rises to ~99%.
Taft-Hartley 56% chance of beating Fully Insured
$7,044
median five-year savings
+0% expected savings
5th−$67,21625th−$21,883 75th$39,78895th$91,097
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$814 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 · $433,424
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
NV 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Nevada 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-Hartley48%
Five-year median and percentile savings vs staying Fully Insured
PEO −$120,510
Level-Funded $340,311
Self-Funded Captive $484,953
Taft-Hartley −$21,007
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$120,510
median five-year savings
-4% expected savings
5th−$1,434,24425th−$558,224 75th$395,75395th$1,582,960
Level-Funded 91% chance of beating Fully Insured
$340,311
median five-year savings
+11% expected savings
5th−$162,05425th$178,909 75th$627,78295th$1,551,490
With additional cost containment: $869K to $1.28M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$484,953
median five-year savings
+15% expected savings
5th$174,53025th$321,570 75th$781,07195th$1,721,175
With additional cost containment: $842K to $1.12M more potential savings; win rate rises to ~100%.
Taft-Hartley 48% chance of beating Fully Insured
−$21,007
median five-year savings
+2% expected savings
5th−$593,46925th−$322,918 75th$467,71395th$1,626,068
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$814 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 · $484,953
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
NV 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Nevada 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-Hartley51%
Five-year median and percentile savings vs staying Fully Insured
PEO −$568,061
Self-Funded $1,133,885
Self-Funded Captive $1,167,926
Taft-Hartley $44,158
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$568,061
median five-year savings
-8% expected savings
5th−$3,674,12925th−$1,664,993 75th$609,03695th$3,448,812
Self-Funded 96% chance of beating Fully Insured
$1,133,885
median five-year savings
+15% expected savings
5th$42,54525th$741,590 75th$1,687,74295th$3,434,380
With additional cost containment: $1.82M to $2.78M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,167,926
median five-year savings
+16% expected savings
5th$520,90225th$818,955 75th$1,781,98495th$3,691,738
With additional cost containment: $1.82M to $2.41M more potential savings; win rate rises to ~100%.
Taft-Hartley 51% chance of beating Fully Insured
$44,158
median five-year savings
+2% expected savings
5th−$1,452,45125th−$703,205 75th$1,185,83495th$3,853,303
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$814 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 · $1,167,926
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
NV 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Nevada 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-Hartley53%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,577,192
Self-Funded $2,009,783
Self-Funded Captive $2,104,339
Taft-Hartley $146,581
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,577,192
median five-year savings
-13% expected savings
5th−$7,138,10725th−$3,498,823 75th$592,62095th$5,280,911
Self-Funded 99% chance of beating Fully Insured
$2,009,783
median five-year savings
+16% expected savings
5th$679,09225th$1,444,327 75th$2,972,16695th$5,535,495
With additional cost containment: $3.01M to $4.55M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,104,339
median five-year savings
+17% expected savings
5th$940,25125th$1,493,573 75th$3,174,68795th$6,023,206
With additional cost containment: $3.04M to $4.04M more potential savings; win rate rises to ~100%.
Taft-Hartley 53% chance of beating Fully Insured
$146,581
median five-year savings
+3% expected savings
5th−$2,473,16725th−$1,180,607 75th$2,133,83695th$6,872,186
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$814 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 · $2,104,339
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
NV 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Nevada 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-Hartley54%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,123,044
Self-Funded $3,883,070
Self-Funded Captive $3,976,739
Taft-Hartley $322,949
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$3,123,044
median five-year savings
-14% expected savings
5th−$14,174,29925th−$6,631,873 75th$460,10295th$7,567,793
Self-Funded 100% chance of beating Fully Insured
$3,883,070
median five-year savings
+16% expected savings
5th$1,586,04125th$2,754,834 75th$5,735,37995th$10,804,965
With additional cost containment: $6.09M to $7.93M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,976,739
median five-year savings
+16% expected savings
5th$1,804,57125th$2,834,409 75th$5,878,60695th$11,036,007
With additional cost containment: $6.10M to $7.40M more potential savings; win rate rises to ~100%.
Taft-Hartley 54% chance of beating Fully Insured
$322,949
median five-year savings
+2% expected savings
5th−$4,170,02125th−$1,983,379 75th$3,408,60895th$10,140,255
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$814 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 · $3,976,739
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.
Ready to make this specific to your company?
Use your own data or speak with a Benefitra advisor.