PEO 93% chance of beating Fully Insured
$111,438
median five-year savings
+20% expected savings
5th−$14,07525th$70,813 75th$138,02095th$162,254
Oklahoma Health-Plan Funding Guide
Oklahoma 2026 funding analysis (archived)
Plan year 2026 · archived results View the Oklahoma 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
OK 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Oklahoma market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded78%
Taft-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $111,438
Level-Funded $88,069
Taft-Hartley −$64,943
5th to 95th percentile 25th to 75th Median
Level-Funded 78% chance of beating Fully Insured
$88,069
median five-year savings
+10% expected savings
5th−$183,03125th$15,472 75th$117,84795th$136,380
With additional cost containment: $108K to $196K more potential savings; win rate rises to ~95%.
Taft-Hartley 0% chance of beating Fully Insured
−$64,943
median five-year savings
-13% expected savings
5th−$86,70225th−$73,408 75th−$55,06495th−$40,219
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$706 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 · $111,438
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
OK 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Oklahoma market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded89%
Self-Funded Captive92%
Taft-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $334,313
Level-Funded $396,201
Self-Funded Captive $366,370
Taft-Hartley −$194,828
5th to 95th percentile 25th to 75th Median
PEO 93% chance of beating Fully Insured
$334,313
median five-year savings
+20% expected savings
5th−$42,22425th$212,440 75th$414,06095th$486,763
Level-Funded 89% chance of beating Fully Insured
$396,201
median five-year savings
+21% expected savings
5th−$210,01425th$242,449 75th$463,57395th$518,754
With additional cost containment: $277K to $439K more potential savings; win rate rises to ~99%.
Self-Funded Captive 92% chance of beating Fully Insured
$366,370
median five-year savings
+21% expected savings
5th−$79,56325th$240,210 75th$441,15495th$510,569
With additional cost containment: $282K to $405K more potential savings; win rate rises to ~99%.
Taft-Hartley 0% chance of beating Fully Insured
−$194,828
median five-year savings
-13% expected savings
5th−$260,10625th−$220,225 75th−$165,19195th−$120,658
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$706 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 · $396,201
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
OK 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Oklahoma 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-Hartley20%
Five-year median and percentile savings vs staying Fully Insured
PEO −$104,524
Level-Funded $295,168
Self-Funded Captive $437,336
Taft-Hartley −$534,631
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$104,524
median five-year savings
-4% expected savings
5th−$1,243,98725th−$484,174 75th$343,25595th$1,372,975
Level-Funded 91% chance of beating Fully Insured
$295,168
median five-year savings
+11% expected savings
5th−$140,55725th$155,177 75th$544,50595th$1,345,680
With additional cost containment: $754K to $1.11M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$437,336
median five-year savings
+16% expected savings
5th$168,09225th$295,627 75th$694,17495th$1,509,570
With additional cost containment: $726K to $963K more potential savings; win rate rises to ~100%.
Taft-Hartley 20% chance of beating Fully Insured
−$534,631
median five-year savings
-13% expected savings
5th−$1,030,17525th−$795,347 75th−$107,98395th$894,833
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$706 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 · $437,336
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
OK 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Oklahoma 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-Hartley24%
Five-year median and percentile savings vs staying Fully Insured
PEO −$492,706
Self-Funded $983,472
Self-Funded Captive $1,048,813
Taft-Hartley −$1,067,766
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$492,706
median five-year savings
-8% expected savings
5th−$3,186,74425th−$1,444,127 75th$528,24595th$2,991,317
Self-Funded 96% chance of beating Fully Insured
$983,472
median five-year savings
+15% expected savings
5th$36,90125th$643,215 75th$1,463,85895th$2,978,799
With additional cost containment: $1.58M to $2.41M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,048,813
median five-year savings
+17% expected savings
5th$487,61925th$746,134 75th$1,581,41595th$3,237,834
With additional cost containment: $1.57M to $2.08M more potential savings; win rate rises to ~100%.
Taft-Hartley 24% chance of beating Fully Insured
−$1,067,766
median five-year savings
-13% expected savings
5th−$2,365,09425th−$1,717,740 75th−$70,92995th$2,239,028
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$706 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 · $1,048,813
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
OK 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Oklahoma 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-Hartley25%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,367,973
Self-Funded $1,743,180
Self-Funded Captive $1,884,886
Taft-Hartley −$1,716,528
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,367,973
median five-year savings
-13% expected savings
5th−$6,191,21525th−$3,034,693 75th$514,00795th$4,580,382
Self-Funded 99% chance of beating Fully Insured
$1,743,180
median five-year savings
+16% expected savings
5th$589,00925th$1,252,732 75th$2,577,89995th$4,801,194
With additional cost containment: $2.61M to $3.95M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,884,886
median five-year savings
+17% expected savings
5th$875,21725th$1,355,140 75th$2,813,24995th$5,283,903
With additional cost containment: $2.63M to $3.49M more potential savings; win rate rises to ~100%.
Taft-Hartley 25% chance of beating Fully Insured
−$1,716,528
median five-year savings
-12% expected savings
5th−$3,983,81325th−$2,870,590 75th$4,02395th$4,132,845
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$706 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 · $1,884,886
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
OK 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Oklahoma 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-Hartley20%
Five-year median and percentile savings vs staying Fully Insured
PEO −$2,708,763
Self-Funded $3,367,969
Self-Funded Captive $3,568,600
Taft-Hartley −$3,406,040
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$2,708,763
median five-year savings
-14% expected savings
5th−$12,294,03525th−$5,752,135 75th$399,06895th$6,563,902
Self-Funded 100% chance of beating Fully Insured
$3,367,969
median five-year savings
+16% expected savings
5th$1,375,64725th$2,389,397 75th$4,974,56495th$9,371,653
With additional cost containment: $5.28M to $6.88M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,568,600
median five-year savings
+16% expected savings
5th$1,684,57725th$2,577,804 75th$5,218,17995th$9,691,435
With additional cost containment: $5.26M to $6.39M more potential savings; win rate rises to ~100%.
Taft-Hartley 20% chance of beating Fully Insured
−$3,406,040
median five-year savings
-13% expected savings
5th−$7,317,26025th−$5,411,073 75th−$713,79195th$5,108,004
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$706 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 · $3,568,600
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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