PEO 95% chance of beating Fully Insured
$194,911
median five-year savings
+23% expected savings
5th$8,74625th$134,371 75th$234,32295th$270,472
New York Health-Plan Funding Guide
New York 2026 funding analysis (archived)
Plan year 2026 · archived results View the New York 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
NY 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 New York market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO95%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $194,911
Taft-Hartley $201,712
5th to 95th percentile 25th to 75th Median
Taft-Hartley 100% chance of beating Fully Insured
$201,712
median five-year savings
+27% expected savings
5th$168,74325th$188,710 75th$216,41295th$238,243
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,047 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 medianTaft-Hartley · $201,712
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Fully insured only for alternative funding: New York groups under 100 employees: self-funded, level-funded and self-funded captive are not offered, so no savings, win-rate or cost-containment figures are shown for them. Fully insured is the baseline; PEO and Taft-Hartley are shown for comparison.
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
NY 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 New York market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO95%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $584,734
Taft-Hartley $605,136
5th to 95th percentile 25th to 75th Median
PEO 95% chance of beating Fully Insured
$584,734
median five-year savings
+23% expected savings
5th$26,23825th$403,112 75th$702,96795th$811,416
Taft-Hartley 100% chance of beating Fully Insured
$605,136
median five-year savings
+27% expected savings
5th$506,23025th$566,130 75th$649,23795th$714,730
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,047 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 medianTaft-Hartley · $605,136
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Fully insured only for alternative funding: New York groups under 100 employees: self-funded, level-funded and self-funded captive are not offered, so no savings, win-rate or cost-containment figures are shown for them. Fully insured is the baseline; PEO and Taft-Hartley are shown for comparison.
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
NY 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 New York market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO65%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $274,086
Taft-Hartley $1,411,985
5th to 95th percentile 25th to 75th Median
PEO 65% chance of beating Fully Insured
$274,086
median five-year savings
+1% expected savings
5th−$1,399,52725th−$247,591 75th$616,14195th$924,920
Taft-Hartley 100% chance of beating Fully Insured
$1,411,985
median five-year savings
+27% expected savings
5th$1,181,20325th$1,320,971 75th$1,514,88695th$1,667,704
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,047 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 · ~17% cheaper
Highest modeled five-year medianTaft-Hartley · $1,411,985
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Fully insured only for alternative funding: New York groups under 100 employees: self-funded, level-funded and self-funded captive are not offered, so no savings, win-rate or cost-containment figures are shown for them. Fully insured is the baseline; PEO and Taft-Hartley are shown for comparison.
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
NY 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 New York 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-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO −$558,188
Self-Funded $1,442,423
Self-Funded Captive $1,397,216
Taft-Hartley $2,622,994
5th to 95th percentile 25th to 75th Median
PEO 40% chance of beating Fully Insured
−$558,188
median five-year savings
-7% expected savings
5th−$4,592,97625th−$1,993,191 75th$996,43695th$5,030,845
Self-Funded 94% chance of beating Fully Insured
$1,442,423
median five-year savings
+15% expected savings
5th−$98,17425th$877,168 75th$2,274,56495th$4,937,976
With additional cost containment: $2.38M to $3.66M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,397,216
median five-year savings
+15% expected savings
5th$457,18325th$889,207 75th$2,316,23795th$5,164,833
With additional cost containment: $2.41M to $3.19M more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$2,622,994
median five-year savings
+25% expected savings
5th$590,91425th$1,594,844 75th$4,207,50595th$8,002,062
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,047 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 · ~17% cheaper
Highest modeled five-year medianTaft-Hartley · $2,622,994
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
NY 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 New York 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-Hartley99%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,704,683
Self-Funded $2,571,273
Self-Funded Captive $2,568,550
Taft-Hartley $4,498,715
5th to 95th percentile 25th to 75th Median
PEO 34% chance of beating Fully Insured
−$1,704,683
median five-year savings
-11% expected savings
5th−$8,913,84025th−$4,298,338 75th$1,225,00795th$7,612,448
Self-Funded 98% chance of beating Fully Insured
$2,571,273
median five-year savings
+16% expected savings
5th$643,48425th$1,734,312 75th$3,990,95095th$7,902,968
With additional cost containment: $3.95M to $5.97M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,568,550
median five-year savings
+16% expected savings
5th$886,73225th$1,685,188 75th$4,152,93895th$8,353,424
With additional cost containment: $4.03M to $5.31M more potential savings; win rate rises to ~100%.
Taft-Hartley 99% chance of beating Fully Insured
$4,498,715
median five-year savings
+26% expected savings
5th$943,63425th$2,663,626 75th$7,126,35395th$13,523,690
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,047 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 · ~17% cheaper
Highest modeled five-year medianTaft-Hartley · $4,498,715
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
NY 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 New York 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 −$3,398,045
Self-Funded $4,977,706
Self-Funded Captive $4,794,526
Taft-Hartley $9,005,330
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$3,398,045
median five-year savings
-12% expected savings
5th−$17,542,48825th−$8,043,963 75th$1,276,84195th$11,404,631
Self-Funded 100% chance of beating Fully Insured
$4,977,706
median five-year savings
+16% expected savings
5th$1,599,40325th$3,302,660 75th$7,737,78595th$15,471,021
With additional cost containment: $7.97M to $10.42M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,794,526
median five-year savings
+15% expected savings
5th$1,650,44825th$3,152,721 75th$7,592,52595th$15,523,346
With additional cost containment: $8.06M to $9.78M more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$9,005,330
median five-year savings
+25% expected savings
5th$2,927,78625th$5,851,987 75th$13,348,28795th$22,514,116
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,047 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 · ~17% cheaper
Highest modeled five-year medianTaft-Hartley · $9,005,330
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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