PEO 95% chance of beating Fully Insured
$130,740
median five-year savings
+21% expected savings
5th−$2,38725th$87,390 75th$158,74095th$184,489
New Mexico Health-Plan Funding Guide
New Mexico 2026 funding analysis (archived)
Plan year 2026 · archived results View the New Mexico 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
NM 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 New Mexico market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO95%
Level-Funded81%
Taft-Hartley7%
Five-year median and percentile savings vs staying Fully Insured
PEO $130,740
Level-Funded $109,566
Taft-Hartley −$23,449
5th to 95th percentile 25th to 75th Median
Level-Funded 81% chance of beating Fully Insured
$109,566
median five-year savings
+13% expected savings
5th−$174,36225th$33,954 75th$140,84995th$160,609
With additional cost containment: $114K to $206K more potential savings; win rate rises to ~96%.
Taft-Hartley 7% chance of beating Fully Insured
−$23,449
median five-year savings
-4% expected savings
5th−$46,96825th−$32,632 75th−$12,83595th$3,120
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 · $130,740
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
NM 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 New Mexico market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO95%
Level-Funded91%
Self-Funded Captive94%
Taft-Hartley7%
Five-year median and percentile savings vs staying Fully Insured
PEO $392,219
Level-Funded $467,745
Self-Funded Captive $434,613
Taft-Hartley −$70,348
5th to 95th percentile 25th to 75th Median
PEO 95% chance of beating Fully Insured
$392,219
median five-year savings
+21% expected savings
5th−$7,16125th$262,171 75th$476,21995th$553,468
Level-Funded 91% chance of beating Fully Insured
$467,745
median five-year savings
+24% expected savings
5th−$166,48225th$307,921 75th$538,75195th$595,259
With additional cost containment: $290K to $460K more potential savings; win rate rises to ~100%.
Self-Funded Captive 94% chance of beating Fully Insured
$434,613
median five-year savings
+24% expected savings
5th−$35,04325th$301,948 75th$512,67895th$585,043
With additional cost containment: $297K to $425K more potential savings; win rate rises to ~100%.
Taft-Hartley 7% chance of beating Fully Insured
−$70,348
median five-year savings
-4% expected savings
5th−$140,90325th−$97,896 75th−$38,50595th$9,360
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 · $467,745
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
NM 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 New Mexico market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO42%
Level-Funded92%
Self-Funded Captive100%
Taft-Hartley27%
Five-year median and percentile savings vs staying Fully Insured
PEO −$131,644
Level-Funded $319,925
Self-Funded Captive $462,517
Taft-Hartley −$367,182
5th to 95th percentile 25th to 75th Median
PEO 42% chance of beating Fully Insured
−$131,644
median five-year savings
-5% expected savings
5th−$1,342,73625th−$538,669 75th$323,26495th$1,355,246
Level-Funded 92% chance of beating Fully Insured
$319,925
median five-year savings
+11% expected savings
5th−$128,68925th$179,395 75th$560,78095th$1,334,394
With additional cost containment: $790K to $1.16M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$462,517
median five-year savings
+15% expected savings
5th$192,80725th$321,912 75th$709,30595th$1,497,687
With additional cost containment: $763K to $1.01M more potential savings; win rate rises to ~100%.
Taft-Hartley 27% chance of beating Fully Insured
−$367,182
median five-year savings
-8% expected savings
5th−$878,27025th−$633,903 75th$59,30595th$1,057,841
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 · $462,517
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
NM 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 New Mexico market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO35%
Self-Funded96%
Self-Funded Captive100%
Taft-Hartley30%
Five-year median and percentile savings vs staying Fully Insured
PEO −$583,534
Self-Funded $1,047,234
Self-Funded Captive $1,101,411
Taft-Hartley −$705,484
5th to 95th percentile 25th to 75th Median
PEO 35% chance of beating Fully Insured
−$583,534
median five-year savings
-9% expected savings
5th−$3,432,47125th−$1,571,955 75th$466,18295th$2,937,934
Self-Funded 96% chance of beating Fully Insured
$1,047,234
median five-year savings
+15% expected savings
5th$86,13125th$708,178 75th$1,514,08295th$2,971,699
With additional cost containment: $1.65M to $2.53M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,101,411
median five-year savings
+17% expected savings
5th$544,89025th$801,932 75th$1,618,67095th$3,225,083
With additional cost containment: $1.65M to $2.19M more potential savings; win rate rises to ~100%.
Taft-Hartley 30% chance of beating Fully Insured
−$705,484
median five-year savings
-7% expected savings
5th−$2,045,20825th−$1,372,608 75th$316,18795th$2,638,549
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 · $1,101,411
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
NM 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 New Mexico market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO29%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley32%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,560,608
Self-Funded $1,851,411
Self-Funded Captive $1,977,236
Taft-Hartley −$1,126,691
5th to 95th percentile 25th to 75th Median
PEO 29% chance of beating Fully Insured
−$1,560,608
median five-year savings
-14% expected savings
5th−$6,647,85525th−$3,314,010 75th$374,61095th$4,537,735
Self-Funded 99% chance of beating Fully Insured
$1,851,411
median five-year savings
+16% expected savings
5th$710,55925th$1,360,958 75th$2,671,01495th$4,802,904
With additional cost containment: $2.74M to $4.14M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,977,236
median five-year savings
+17% expected savings
5th$976,64525th$1,441,941 75th$2,890,15695th$5,386,006
With additional cost containment: $2.76M to $3.66M more potential savings; win rate rises to ~100%.
Taft-Hartley 32% chance of beating Fully Insured
−$1,126,691
median five-year savings
-7% expected savings
5th−$3,458,24425th−$2,307,329 75th$614,61895th$4,773,413
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 · $1,977,236
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
NM 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 New Mexico market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO26%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley29%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,086,252
Self-Funded $3,572,753
Self-Funded Captive $3,746,635
Taft-Hartley −$2,194,377
5th to 95th percentile 25th to 75th Median
PEO 26% chance of beating Fully Insured
−$3,086,252
median five-year savings
-15% expected savings
5th−$13,205,53425th−$6,277,800 75th$120,46295th$6,184,368
Self-Funded 100% chance of beating Fully Insured
$3,572,753
median five-year savings
+16% expected savings
5th$1,602,40725th$2,616,799 75th$5,165,46195th$9,383,229
With additional cost containment: $5.54M to $7.21M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,746,635
median five-year savings
+16% expected savings
5th$1,871,76425th$2,758,227 75th$5,378,93995th$9,754,388
With additional cost containment: $5.53M to $6.71M more potential savings; win rate rises to ~100%.
Taft-Hartley 29% chance of beating Fully Insured
−$2,194,377
median five-year savings
-7% expected savings
5th−$6,227,18425th−$4,252,708 75th$539,09195th$6,503,134
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 · $3,746,635
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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