PEO 91% chance of beating Fully Insured
$101,666
median five-year savings
+17% expected savings
5th−$32,89225th$58,618 75th$130,00795th$155,850
North Carolina Health-Plan Funding Guide
North Carolina 2026 funding analysis (archived)
Plan year 2026 · archived results View the North Carolina 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
NC 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 North Carolina market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO91%
Level-Funded75%
Taft-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $101,666
Level-Funded $76,541
Taft-Hartley −$47,757
5th to 95th percentile 25th to 75th Median
Level-Funded 75% chance of beating Fully Insured
$76,541
median five-year savings
+7% expected savings
5th−$214,16625th−$1,008 75th$108,49195th$128,329
With additional cost containment: $116K to $210K more potential savings; win rate rises to ~93%.
Taft-Hartley 0% chance of beating Fully Insured
−$47,757
median five-year savings
-9% expected savings
5th−$70,36225th−$56,638 75th−$37,65195th−$22,226
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$756 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 · $101,666
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
NC 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 North Carolina market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO91%
Level-Funded88%
Self-Funded Captive90%
Taft-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $304,998
Level-Funded $371,601
Self-Funded Captive $335,556
Taft-Hartley −$143,271
5th to 95th percentile 25th to 75th Median
PEO 91% chance of beating Fully Insured
$304,998
median five-year savings
+17% expected savings
5th−$98,67725th$175,853 75th$390,02295th$467,550
Level-Funded 88% chance of beating Fully Insured
$371,601
median five-year savings
+18% expected savings
5th−$278,26325th$207,188 75th$443,58395th$503,207
With additional cost containment: $296K to $470K more potential savings; win rate rises to ~99%.
Self-Funded Captive 90% chance of beating Fully Insured
$335,556
median five-year savings
+18% expected savings
5th−$141,30025th$200,558 75th$415,79395th$489,847
With additional cost containment: $303K to $434K more potential savings; win rate rises to ~99%.
Taft-Hartley 0% chance of beating Fully Insured
−$143,271
median five-year savings
-9% expected savings
5th−$211,08625th−$169,913 75th−$112,95295th−$66,679
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$756 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 · $371,601
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
NC 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 North Carolina 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-Hartley31%
Five-year median and percentile savings vs staying Fully Insured
PEO −$111,902
Level-Funded $316,003
Self-Funded Captive $459,313
Taft-Hartley −$296,487
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$111,902
median five-year savings
-4% expected savings
5th−$1,331,79825th−$518,351 75th$367,48595th$1,469,891
Level-Funded 91% chance of beating Fully Insured
$316,003
median five-year savings
+11% expected savings
5th−$150,47825th$166,130 75th$582,94195th$1,440,669
With additional cost containment: $807K to $1.18M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$459,313
median five-year savings
+15% expected savings
5th$171,06425th$307,600 75th$734,28095th$1,607,234
With additional cost containment: $779K to $1.03M more potential savings; win rate rises to ~100%.
Taft-Hartley 31% chance of beating Fully Insured
−$296,487
median five-year savings
-6% expected savings
5th−$827,64225th−$577,638 75th$157,85795th$1,232,326
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$756 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 · $459,313
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
NC 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 North Carolina 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-Hartley33%
Five-year median and percentile savings vs staying Fully Insured
PEO −$527,485
Self-Funded $1,052,893
Self-Funded Captive $1,103,788
Taft-Hartley −$556,730
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$527,485
median five-year savings
-8% expected savings
5th−$3,411,69125th−$1,546,065 75th$565,53395th$3,202,469
Self-Funded 96% chance of beating Fully Insured
$1,052,893
median five-year savings
+15% expected savings
5th$39,50625th$688,619 75th$1,567,18995th$3,189,067
With additional cost containment: $1.69M to $2.59M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,103,788
median five-year savings
+16% expected savings
5th$502,98025th$779,744 75th$1,673,98595th$3,447,328
With additional cost containment: $1.69M to $2.24M more potential savings; win rate rises to ~100%.
Taft-Hartley 33% chance of beating Fully Insured
−$556,730
median five-year savings
-5% expected savings
5th−$1,943,38125th−$1,249,423 75th$506,98795th$2,983,885
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$756 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 · $1,103,788
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
NC 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 North Carolina 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-Hartley37%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,464,535
Self-Funded $1,866,228
Self-Funded Captive $1,986,172
Taft-Hartley −$857,974
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,464,535
median five-year savings
-13% expected savings
5th−$6,628,24225th−$3,248,907 75th$550,29095th$4,903,704
Self-Funded 99% chance of beating Fully Insured
$1,866,228
median five-year savings
+16% expected savings
5th$630,58625th$1,341,161 75th$2,759,86895th$5,140,102
With additional cost containment: $2.80M to $4.22M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,986,172
median five-year savings
+17% expected savings
5th$905,23325th$1,419,032 75th$2,980,06695th$5,625,120
With additional cost containment: $2.82M to $3.74M more potential savings; win rate rises to ~100%.
Taft-Hartley 37% chance of beating Fully Insured
−$857,974
median five-year savings
-5% expected savings
5th−$3,285,38025th−$2,090,013 75th$978,58195th$5,397,228
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$756 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 · $1,986,172
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
NC 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 North Carolina 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-Hartley32%
Five-year median and percentile savings vs staying Fully Insured
PEO −$2,899,970
Self-Funded $3,605,708
Self-Funded Captive $3,756,972
Taft-Hartley −$1,691,808
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$2,899,970
median five-year savings
-14% expected savings
5th−$13,161,84925th−$6,158,168 75th$427,23795th$7,027,236
Self-Funded 100% chance of beating Fully Insured
$3,605,708
median five-year savings
+16% expected savings
5th$1,472,75225th$2,558,060 75th$5,325,70995th$10,033,181
With additional cost containment: $5.65M to $7.37M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,756,972
median five-year savings
+16% expected savings
5th$1,739,95925th$2,696,237 75th$5,522,99195th$10,312,006
With additional cost containment: $5.65M to $6.85M more potential savings; win rate rises to ~100%.
Taft-Hartley 32% chance of beating Fully Insured
−$1,691,808
median five-year savings
-5% expected savings
5th−$5,865,06725th−$3,823,358 75th$1,190,17295th$7,430,581
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$756 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 · $3,756,972
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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