PEO 91% chance of beating Fully Insured
$103,772
median five-year savings
+17% expected savings
5th−$32,21025th$60,290 75th$132,50395th$158,594
North Dakota Health-Plan Funding Guide
North Dakota 2026 funding analysis (archived)
Plan year 2026 · archived results View the North Dakota 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
ND 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 North Dakota market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO91%
Level-Funded78%
Taft-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $103,772
Level-Funded $90,384
Taft-Hartley −$41,167
5th to 95th percentile 25th to 75th Median
Level-Funded 78% chance of beating Fully Insured
$90,384
median five-year savings
+9% expected savings
5th−$193,50025th$14,441 75th$121,46595th$140,714
With additional cost containment: $116K to $206K more potential savings; win rate rises to ~95%.
Taft-Hartley 0% chance of beating Fully Insured
−$41,167
median five-year savings
-8% expected savings
5th−$64,00525th−$50,133 75th−$30,91695th−$15,322
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$765 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 · $103,772
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
ND 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 North Dakota market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO91%
Level-Funded89%
Self-Funded Captive92%
Taft-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $311,317
Level-Funded $410,602
Self-Funded Captive $377,513
Taft-Hartley −$123,502
5th to 95th percentile 25th to 75th Median
PEO 91% chance of beating Fully Insured
$311,317
median five-year savings
+17% expected savings
5th−$96,63025th$180,871 75th$397,51095th$475,781
Level-Funded 89% chance of beating Fully Insured
$410,602
median five-year savings
+21% expected savings
5th−$225,48325th$249,544 75th$480,94095th$538,147
With additional cost containment: $292K to $461K more potential savings; win rate rises to ~99%.
Self-Funded Captive 92% chance of beating Fully Insured
$377,513
median five-year savings
+21% expected savings
5th−$95,43825th$244,707 75th$455,72895th$527,648
With additional cost containment: $298K to $428K more potential savings; win rate rises to ~99%.
Taft-Hartley 0% chance of beating Fully Insured
−$123,502
median five-year savings
-8% expected savings
5th−$192,01625th−$150,398 75th−$92,74995th−$45,967
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$765 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 · $410,602
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
ND 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 North Dakota market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO38%
Level-Funded93%
Self-Funded Captive100%
Taft-Hartley27%
Five-year median and percentile savings vs staying Fully Insured
PEO −$190,247
Level-Funded $335,023
Self-Funded Captive $478,584
Taft-Hartley −$354,153
5th to 95th percentile 25th to 75th Median
PEO 38% chance of beating Fully Insured
−$190,247
median five-year savings
-7% expected savings
5th−$1,425,85225th−$595,167 75th$253,04595th$1,174,688
Level-Funded 93% chance of beating Fully Insured
$335,023
median five-year savings
+11% expected savings
5th−$88,41725th$217,100 75th$544,06395th$1,211,194
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
$478,584
median five-year savings
+16% expected savings
5th$243,96225th$355,844 75th$691,00295th$1,356,651
With additional cost containment: $765K to $1.02M more potential savings; win rate rises to ~100%.
Taft-Hartley 27% chance of beating Fully Insured
−$354,153
median five-year savings
-7% expected savings
5th−$830,91525th−$602,150 75th$47,24795th$993,033
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$765 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 · $478,584
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
ND 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 North Dakota market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO31%
Self-Funded97%
Self-Funded Captive100%
Taft-Hartley30%
Five-year median and percentile savings vs staying Fully Insured
PEO −$727,339
Self-Funded $1,085,585
Self-Funded Captive $1,134,158
Taft-Hartley −$682,968
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$727,339
median five-year savings
-11% expected savings
5th−$3,621,15825th−$1,722,398 75th$291,81395th$2,641,715
Self-Funded 97% chance of beating Fully Insured
$1,085,585
median five-year savings
+15% expected savings
5th$202,93225th$780,119 75th$1,485,48495th$2,684,080
With additional cost containment: $1.66M to $2.53M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,134,158
median five-year savings
+17% expected savings
5th$638,03825th$868,839 75th$1,584,63595th$2,981,389
With additional cost containment: $1.66M to $2.20M more potential savings; win rate rises to ~100%.
Taft-Hartley 30% chance of beating Fully Insured
−$682,968
median five-year savings
-7% expected savings
5th−$1,970,94125th−$1,313,677 75th$268,42695th$2,527,164
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$765 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 · $1,134,158
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
ND 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 North Dakota market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO26%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley32%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,810,143
Self-Funded $1,902,128
Self-Funded Captive $2,012,807
Taft-Hartley −$1,087,149
5th to 95th percentile 25th to 75th Median
PEO 26% chance of beating Fully Insured
−$1,810,143
median five-year savings
-16% expected savings
5th−$6,951,69925th−$3,580,438 75th$54,92495th$4,174,184
Self-Funded 99% chance of beating Fully Insured
$1,902,128
median five-year savings
+16% expected savings
5th$888,18725th$1,478,560 75th$2,594,45395th$4,365,822
With additional cost containment: $2.75M to $4.14M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,012,807
median five-year savings
+17% expected savings
5th$1,123,00025th$1,530,576 75th$2,831,57295th$4,985,234
With additional cost containment: $2.77M to $3.67M more potential savings; win rate rises to ~100%.
Taft-Hartley 32% chance of beating Fully Insured
−$1,087,149
median five-year savings
-7% expected savings
5th−$3,344,40825th−$2,215,393 75th$626,64995th$4,481,516
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$765 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 · $2,012,807
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
ND 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 North Dakota market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO22%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley28%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,565,944
Self-Funded $3,691,863
Self-Funded Captive $3,839,419
Taft-Hartley −$2,077,313
5th to 95th percentile 25th to 75th Median
PEO 22% chance of beating Fully Insured
−$3,565,944
median five-year savings
-17% expected savings
5th−$13,822,68225th−$6,868,269 75th−$492,02595th$5,396,859
Self-Funded 100% chance of beating Fully Insured
$3,691,863
median five-year savings
+16% expected savings
5th$1,947,11525th$2,860,054 75th$5,050,91695th$8,538,242
With additional cost containment: $5.56M to $7.22M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,839,419
median five-year savings
+16% expected savings
5th$2,164,90725th$2,950,570 75th$5,279,35595th$9,012,312
With additional cost containment: $5.55M to $6.72M more potential savings; win rate rises to ~100%.
Taft-Hartley 28% chance of beating Fully Insured
−$2,077,313
median five-year savings
-7% expected savings
5th−$5,977,67725th−$4,054,489 75th$518,44695th$5,696,330
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$765 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 · $3,839,419
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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