PEO 95% chance of beating Fully Insured
$184,456
median five-year savings
+22% expected savings
5th$1,15125th$124,852 75th$223,16495th$258,700
New Jersey Health-Plan Funding Guide
New Jersey 2026 funding analysis (archived)
Plan year 2026 · archived results View the New Jersey 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
NJ 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 New Jersey market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO95%
Level-Funded79%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $184,456
Level-Funded $139,415
Taft-Hartley $182,300
5th to 95th percentile 25th to 75th Median
Level-Funded 79% chance of beating Fully Insured
$139,415
median five-year savings
+11% expected savings
5th−$264,89525th$31,263 75th$184,06695th$211,708
With additional cost containment: $161K to $292K more potential savings; win rate rises to ~95%.
Taft-Hartley 100% chance of beating Fully Insured
$182,300
median five-year savings
+25% expected savings
5th$150,14825th$169,533 75th$196,63895th$218,003
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,030 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 · $184,456
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
NJ 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 New Jersey market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO95%
Level-Funded90%
Self-Funded Captive92%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $553,368
Level-Funded $613,899
Self-Funded Captive $542,952
Taft-Hartley $546,901
5th to 95th percentile 25th to 75th Median
PEO 95% chance of beating Fully Insured
$553,368
median five-year savings
+22% expected savings
5th$3,45225th$374,556 75th$669,49395th$776,100
Level-Funded 90% chance of beating Fully Insured
$613,899
median five-year savings
+22% expected savings
5th−$288,47125th$384,449 75th$714,63395th$797,284
With additional cost containment: $411K to $653K more potential savings; win rate rises to ~99%.
Self-Funded Captive 92% chance of beating Fully Insured
$542,952
median five-year savings
+21% expected savings
5th−$114,74825th$358,548 75th$654,08195th$758,187
With additional cost containment: $428K to $606K more potential savings; win rate rises to ~99%.
Taft-Hartley 100% chance of beating Fully Insured
$546,901
median five-year savings
+25% expected savings
5th$450,44325th$508,600 75th$589,91495th$654,009
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,030 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 · $613,899
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
NJ 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 New Jersey 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-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO −$77,202
Level-Funded $410,488
Self-Funded Captive $564,316
Taft-Hartley $1,089,836
5th to 95th percentile 25th to 75th Median
PEO 47% chance of beating Fully Insured
−$77,202
median five-year savings
-2% expected savings
5th−$1,771,15425th−$632,054 75th$618,30695th$2,227,757
Level-Funded 89% chance of beating Fully Insured
$410,488
median five-year savings
+11% expected savings
5th−$275,70325th$187,586 75th$839,86595th$2,159,748
With additional cost containment: $1.12M to $1.64M more potential savings; win rate rises to ~100%.
Self-Funded Captive 99% chance of beating Fully Insured
$564,316
median five-year savings
+14% expected savings
5th$124,34125th$331,973 75th$992,14595th$2,432,379
With additional cost containment: $1.09M to $1.44M more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$1,089,836
median five-year savings
+24% expected savings
5th$307,30725th$679,587 75th$1,753,95995th$3,410,168
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,030 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 costTaft-Hartley · ~15% cheaper
Highest modeled five-year medianTaft-Hartley · $1,089,836
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
NJ 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 New Jersey 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-Hartley99%
Five-year median and percentile savings vs staying Fully Insured
PEO −$549,328
Self-Funded $1,419,528
Self-Funded Captive $1,379,324
Taft-Hartley $2,448,675
5th to 95th percentile 25th to 75th Median
PEO 40% chance of beating Fully Insured
−$549,328
median five-year savings
-7% expected savings
5th−$4,520,07125th−$1,961,553 75th$980,62095th$4,950,990
Self-Funded 94% chance of beating Fully Insured
$1,419,528
median five-year savings
+15% expected savings
5th−$96,61625th$863,245 75th$2,238,46095th$4,859,595
With additional cost containment: $2.34M to $3.60M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,379,324
median five-year savings
+15% expected savings
5th$454,21225th$879,378 75th$2,283,75795th$5,087,137
With additional cost containment: $2.37M to $3.14M more potential savings; win rate rises to ~100%.
Taft-Hartley 99% chance of beating Fully Insured
$2,448,675
median five-year savings
+24% expected savings
5th$448,07525th$1,437,174 75th$4,008,62895th$7,741,626
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,030 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 costTaft-Hartley · ~15% cheaper
Highest modeled five-year medianTaft-Hartley · $2,448,675
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
NJ 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 New Jersey 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-Hartley98%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,677,625
Self-Funded $2,530,460
Self-Funded Captive $2,534,922
Taft-Hartley $4,208,182
5th to 95th percentile 25th to 75th Median
PEO 34% chance of beating Fully Insured
−$1,677,625
median five-year savings
-11% expected savings
5th−$8,772,35025th−$4,230,110 75th$1,205,56295th$7,491,615
Self-Funded 98% chance of beating Fully Insured
$2,530,460
median five-year savings
+16% expected savings
5th$633,27025th$1,706,783 75th$3,927,60295th$7,777,524
With additional cost containment: $3.89M to $5.88M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,534,922
median five-year savings
+16% expected savings
5th$879,80025th$1,665,582 75th$4,094,16195th$8,227,972
With additional cost containment: $3.97M to $5.23M more potential savings; win rate rises to ~100%.
Taft-Hartley 98% chance of beating Fully Insured
$4,208,182
median five-year savings
+24% expected savings
5th$706,53825th$2,400,122 75th$6,791,95195th$13,088,700
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,030 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 costTaft-Hartley · ~15% cheaper
Highest modeled five-year medianTaft-Hartley · $4,208,182
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
NJ 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 New Jersey 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-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,344,108
Self-Funded $4,898,695
Self-Funded Captive $4,732,708
Taft-Hartley $8,421,457
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$3,344,108
median five-year savings
-12% expected savings
5th−$17,264,03525th−$7,916,281 75th$1,256,57495th$11,223,605
Self-Funded 100% chance of beating Fully Insured
$4,898,695
median five-year savings
+16% expected savings
5th$1,574,01525th$3,250,237 75th$7,614,96395th$15,225,449
With additional cost containment: $7.84M to $10.25M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,732,708
median five-year savings
+15% expected savings
5th$1,638,53625th$3,116,964 75th$7,486,29495th$15,291,229
With additional cost containment: $7.93M to $9.62M more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$8,421,457
median five-year savings
+24% expected savings
5th$2,443,97025th$5,319,390 75th$12,692,63095th$21,715,741
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,030 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 costTaft-Hartley · ~15% cheaper
Highest modeled five-year medianTaft-Hartley · $8,421,457
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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