PEO 92% chance of beating Fully Insured
$136,327
median five-year savings
+18% expected savings
5th−$32,10025th$82,330 75th$171,97095th$204,265
New Hampshire Health-Plan Funding Guide
New Hampshire 2026 funding analysis (archived)
Plan year 2026 · archived results View the New Hampshire 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
NH 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 New Hampshire market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO92%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $136,327
Taft-Hartley $89,735
5th to 95th percentile 25th to 75th Median
Taft-Hartley 100% chance of beating Fully Insured
$89,735
median five-year savings
+14% expected savings
5th$61,14025th$78,446 75th$102,42095th$121,715
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$947 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 · $136,327
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
NH 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 New Hampshire market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO92%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $408,982
Taft-Hartley $269,206
5th to 95th percentile 25th to 75th Median
PEO 92% chance of beating Fully Insured
$408,982
median five-year savings
+18% expected savings
5th−$96,30025th$246,990 75th$515,90995th$612,794
Taft-Hartley 100% chance of beating Fully Insured
$269,206
median five-year savings
+14% expected savings
5th$183,42125th$235,337 75th$307,26095th$365,144
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$947 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 · $408,982
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
NH 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 New Hampshire market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO47%
Level-Funded89%
Self-Funded Captive99%
Taft-Hartley94%
Five-year median and percentile savings vs staying Fully Insured
PEO −$70,976
Level-Funded $377,384
Self-Funded Captive $528,968
Taft-Hartley $687,269
5th to 95th percentile 25th to 75th Median
PEO 47% chance of beating Fully Insured
−$70,976
median five-year savings
-2% expected savings
5th−$1,628,31925th−$581,081 75th$568,44295th$2,048,099
Level-Funded 89% chance of beating Fully Insured
$377,384
median five-year savings
+11% expected savings
5th−$253,46925th$172,458 75th$772,13495th$1,985,575
With additional cost containment: $1.03M to $1.51M more potential savings; win rate rises to ~100%.
Self-Funded Captive 99% chance of beating Fully Insured
$528,968
median five-year savings
+14% expected savings
5th$124,47525th$315,362 75th$922,29495th$2,246,381
With additional cost containment: $1.00M to $1.33M more potential savings; win rate rises to ~100%.
Taft-Hartley 94% chance of beating Fully Insured
$687,269
median five-year savings
+17% expected savings
5th−$31,54025th$310,205 75th$1,299,03695th$2,818,632
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$947 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 medianTaft-Hartley · $687,269
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
NH 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 New Hampshire market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO40%
Self-Funded94%
Self-Funded Captive100%
Taft-Hartley91%
Five-year median and percentile savings vs staying Fully Insured
PEO −$505,027
Self-Funded $1,305,050
Self-Funded Captive $1,289,862
Taft-Hartley $1,572,052
5th to 95th percentile 25th to 75th Median
PEO 40% chance of beating Fully Insured
−$505,027
median five-year savings
-7% expected savings
5th−$4,155,55025th−$1,803,363 75th$901,53795th$4,551,717
Self-Funded 94% chance of beating Fully Insured
$1,305,050
median five-year savings
+15% expected savings
5th−$88,82425th$793,628 75th$2,057,93995th$4,467,692
With additional cost containment: $2.16M to $3.31M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,289,862
median five-year savings
+16% expected savings
5th$439,35625th$830,235 75th$2,121,35795th$4,698,658
With additional cost containment: $2.17M to $2.88M more potential savings; win rate rises to ~100%.
Taft-Hartley 91% chance of beating Fully Insured
$1,572,052
median five-year savings
+18% expected savings
5th−$265,51525th$650,979 75th$3,013,35595th$6,439,392
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$947 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 medianTaft-Hartley · $1,572,052
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
NH 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 New Hampshire market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO34%
Self-Funded98%
Self-Funded Captive100%
Taft-Hartley90%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,542,332
Self-Funded $2,326,390
Self-Funded Captive $2,366,783
Taft-Hartley $2,751,881
5th to 95th percentile 25th to 75th Median
PEO 34% chance of beating Fully Insured
−$1,542,332
median five-year savings
-11% expected savings
5th−$8,064,90325th−$3,888,972 75th$1,108,33995th$6,887,453
Self-Funded 98% chance of beating Fully Insured
$2,326,390
median five-year savings
+16% expected savings
5th$582,19925th$1,569,139 75th$3,610,86095th$7,150,304
With additional cost containment: $3.58M to $5.40M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,366,783
median five-year savings
+16% expected savings
5th$845,13925th$1,567,551 75th$3,800,27795th$7,600,717
With additional cost containment: $3.64M to $4.80M more potential savings; win rate rises to ~100%.
Taft-Hartley 90% chance of beating Fully Insured
$2,751,881
median five-year savings
+18% expected savings
5th−$478,94025th$1,087,539 75th$5,119,93995th$10,913,747
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$947 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 medianTaft-Hartley · $2,751,881
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
NH 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 New Hampshire market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO31%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley95%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,074,422
Self-Funded $4,503,639
Self-Funded Captive $4,423,619
Taft-Hartley $5,496,850
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$3,074,422
median five-year savings
-12% expected savings
5th−$15,871,77425th−$7,277,871 75th$1,155,23795th$10,318,475
Self-Funded 100% chance of beating Fully Insured
$4,503,639
median five-year savings
+16% expected savings
5th$1,447,07925th$2,988,121 75th$7,000,85395th$13,997,590
With additional cost containment: $7.21M to $9.43M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,423,619
median five-year savings
+15% expected savings
5th$1,578,97725th$2,938,176 75th$6,955,14195th$14,130,646
With additional cost containment: $7.27M to $8.83M more potential savings; win rate rises to ~100%.
Taft-Hartley 95% chance of beating Fully Insured
$5,496,850
median five-year savings
+17% expected savings
5th$3,21825th$2,645,180 75th$9,408,08595th$17,723,866
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$947 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 medianTaft-Hartley · $5,496,850
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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