PEO 95% chance of beating Fully Insured
$142,766
median five-year savings
+23% expected savings
5th$5,33325th$98,076 75th$171,83295th$198,516
Ohio Health-Plan Funding Guide
Ohio 2026 funding analysis (archived)
Plan year 2026 · archived results View the Ohio 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
OH 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Ohio market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO95%
Level-Funded81%
Taft-Hartley56%
Five-year median and percentile savings vs staying Fully Insured
PEO $142,766
Level-Funded $116,966
Taft-Hartley $2,033
5th to 95th percentile 25th to 75th Median
Level-Funded 81% chance of beating Fully Insured
$116,966
median five-year savings
+13% expected savings
5th−$179,70725th$37,961 75th$149,65995th$170,400
With additional cost containment: $119K to $215K more potential savings; win rate rises to ~96%.
Taft-Hartley 56% chance of beating Fully Insured
$2,033
median five-year savings
+0% expected savings
5th−$22,64125th−$7,549 75th$13,08395th$29,770
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$773 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 · $142,766
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
OH 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Ohio 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-Hartley56%
Five-year median and percentile savings vs staying Fully Insured
PEO $428,297
Level-Funded $495,719
Self-Funded Captive $458,235
Taft-Hartley $6,098
5th to 95th percentile 25th to 75th Median
PEO 95% chance of beating Fully Insured
$428,297
median five-year savings
+23% expected savings
5th$15,99825th$294,229 75th$515,49595th$595,547
Level-Funded 91% chance of beating Fully Insured
$495,719
median five-year savings
+24% expected savings
5th−$166,38525th$328,473 75th$570,02495th$629,133
With additional cost containment: $303K to $480K more potential savings; win rate rises to ~100%.
Self-Funded Captive 94% chance of beating Fully Insured
$458,235
median five-year savings
+24% expected savings
5th−$30,17025th$320,870 75th$540,27595th$615,784
With additional cost containment: $310K to $444K more potential savings; win rate rises to ~100%.
Taft-Hartley 56% chance of beating Fully Insured
$6,098
median five-year savings
+0% expected savings
5th−$67,92425th−$22,648 75th$39,24895th$89,311
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$773 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 · $495,719
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
OH 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Ohio 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-Hartley35%
Five-year median and percentile savings vs staying Fully Insured
PEO −$114,362
Level-Funded $322,948
Self-Funded Captive $466,639
Taft-Hartley −$217,680
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$114,362
median five-year savings
-4% expected savings
5th−$1,361,06925th−$529,743 75th$375,56195th$1,502,196
Level-Funded 91% chance of beating Fully Insured
$322,948
median five-year savings
+11% expected savings
5th−$153,78625th$169,781 75th$595,75295th$1,472,333
With additional cost containment: $825K to $1.21M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$466,639
median five-year savings
+15% expected savings
5th$172,05425th$311,592 75th$747,64995th$1,639,789
With additional cost containment: $797K to $1.06M more potential savings; win rate rises to ~100%.
Taft-Hartley 35% chance of beating Fully Insured
−$217,680
median five-year savings
-3% expected savings
5th−$761,17925th−$505,168 75th$246,42495th$1,344,824
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$773 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 · $466,639
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
OH 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Ohio 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-Hartley38%
Five-year median and percentile savings vs staying Fully Insured
PEO −$539,078
Self-Funded $1,076,034
Self-Funded Captive $1,122,113
Taft-Hartley −$385,039
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$539,078
median five-year savings
-8% expected savings
5th−$3,486,67325th−$1,580,045 75th$577,96395th$3,272,852
Self-Funded 96% chance of beating Fully Insured
$1,076,034
median five-year savings
+15% expected savings
5th$40,37425th$703,753 75th$1,601,63395th$3,259,157
With additional cost containment: $1.73M to $2.64M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,122,113
median five-year savings
+16% expected savings
5th$508,10125th$790,947 75th$1,704,84295th$3,517,160
With additional cost containment: $1.73M to $2.29M more potential savings; win rate rises to ~100%.
Taft-Hartley 38% chance of beating Fully Insured
−$385,039
median five-year savings
-3% expected savings
5th−$1,801,77525th−$1,092,336 75th$701,50895th$3,232,290
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$773 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 · $1,122,113
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
OH 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Ohio 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-Hartley41%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,496,723
Self-Funded $1,907,244
Self-Funded Captive $2,019,934
Taft-Hartley −$571,188
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,496,723
median five-year savings
-13% expected savings
5th−$6,773,91825th−$3,320,311 75th$562,38495th$5,011,477
Self-Funded 99% chance of beating Fully Insured
$1,907,244
median five-year savings
+16% expected savings
5th$644,44525th$1,370,637 75th$2,820,52595th$5,253,071
With additional cost containment: $2.86M to $4.32M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,019,934
median five-year savings
+17% expected savings
5th$915,23825th$1,440,329 75th$3,035,67295th$5,738,859
With additional cost containment: $2.88M to $3.82M more potential savings; win rate rises to ~100%.
Taft-Hartley 41% chance of beating Fully Insured
−$571,188
median five-year savings
-3% expected savings
5th−$3,052,79125th−$1,829,524 75th$1,306,13195th$5,818,688
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$773 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 · $2,019,934
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
OH 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Ohio 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-Hartley38%
Five-year median and percentile savings vs staying Fully Insured
PEO −$2,963,705
Self-Funded $3,684,954
Self-Funded Captive $3,819,763
Taft-Hartley −$1,114,448
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$2,963,705
median five-year savings
-14% expected savings
5th−$13,451,12025th−$6,293,512 75th$436,62795th$7,181,681
Self-Funded 100% chance of beating Fully Insured
$3,684,954
median five-year savings
+16% expected savings
5th$1,505,12025th$2,614,281 75th$5,442,75895th$10,253,691
With additional cost containment: $5.78M to $7.53M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,819,763
median five-year savings
+16% expected savings
5th$1,758,41925th$2,735,715 75th$5,624,59695th$10,518,864
With additional cost containment: $5.77M to $7.01M more potential savings; win rate rises to ~100%.
Taft-Hartley 38% chance of beating Fully Insured
−$1,114,448
median five-year savings
-3% expected savings
5th−$5,380,76825th−$3,293,829 75th$1,823,82895th$8,204,774
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$773 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 · $3,819,763
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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