PEO 93% chance of beating Fully Insured
$132,716
median five-year savings
+19% expected savings
5th−$20,86425th$83,136 75th$165,32595th$194,776
Oregon Health-Plan Funding Guide
Oregon 2026 funding analysis (archived)
Plan year 2026 · archived results View the Oregon 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
OR 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Oregon market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded76%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $132,716
Level-Funded $94,749
Taft-Hartley $41,285
5th to 95th percentile 25th to 75th Median
Level-Funded 76% chance of beating Fully Insured
$94,749
median five-year savings
+7% expected savings
5th−$244,24325th$4,298 75th$132,48595th$155,649
With additional cost containment: $135K to $245K more potential savings; win rate rises to ~93%.
Taft-Hartley 100% chance of beating Fully Insured
$41,285
median five-year savings
+7% expected savings
5th$14,75425th$31,041 75th$52,98995th$71,014
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$864 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 · $132,716
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
OR 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Oregon market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded88%
Self-Funded Captive91%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $398,149
Level-Funded $449,815
Self-Funded Captive $398,256
Taft-Hartley $123,855
5th to 95th percentile 25th to 75th Median
PEO 93% chance of beating Fully Insured
$398,149
median five-year savings
+19% expected savings
5th−$62,59325th$249,408 75th$495,97595th$584,329
Level-Funded 88% chance of beating Fully Insured
$449,815
median five-year savings
+19% expected savings
5th−$308,50825th$257,249 75th$533,80595th$603,622
With additional cost containment: $345K to $548K more potential savings; win rate rises to ~99%.
Self-Funded Captive 91% chance of beating Fully Insured
$398,256
median five-year savings
+18% expected savings
5th−$151,67825th$241,166 75th$492,19395th$578,749
With additional cost containment: $356K to $506K more potential savings; win rate rises to ~99%.
Taft-Hartley 100% chance of beating Fully Insured
$123,855
median five-year savings
+7% expected savings
5th$44,26225th$93,124 75th$158,96795th$213,041
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$864 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 · $449,815
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
OR 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Oregon market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO47%
Level-Funded89%
Self-Funded Captive99%
Taft-Hartley70%
Five-year median and percentile savings vs staying Fully Insured
PEO −$64,750
Level-Funded $344,280
Self-Funded Captive $493,620
Taft-Hartley $285,418
5th to 95th percentile 25th to 75th Median
PEO 47% chance of beating Fully Insured
−$64,750
median five-year savings
-2% expected savings
5th−$1,485,48425th−$530,109 75th$518,57995th$1,868,442
Level-Funded 89% chance of beating Fully Insured
$344,280
median five-year savings
+11% expected savings
5th−$231,23525th$157,330 75th$704,40395th$1,811,401
With additional cost containment: $941K to $1.38M more potential savings; win rate rises to ~100%.
Self-Funded Captive 99% chance of beating Fully Insured
$493,620
median five-year savings
+15% expected savings
5th$124,60925th$298,752 75th$852,44495th$2,060,382
With additional cost containment: $912K to $1.21M more potential savings; win rate rises to ~100%.
Taft-Hartley 70% chance of beating Fully Insured
$285,418
median five-year savings
+9% expected savings
5th−$369,20625th−$57,493 75th$843,74995th$2,227,052
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$864 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 · $493,620
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
OR 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Oregon 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-Hartley71%
Five-year median and percentile savings vs staying Fully Insured
PEO −$460,726
Self-Funded $1,190,572
Self-Funded Captive $1,200,400
Taft-Hartley $703,158
5th to 95th percentile 25th to 75th Median
PEO 40% chance of beating Fully Insured
−$460,726
median five-year savings
-7% expected savings
5th−$3,791,02825th−$1,645,174 75th$822,45595th$4,152,444
Self-Funded 94% chance of beating Fully Insured
$1,190,572
median five-year savings
+15% expected savings
5th−$81,03325th$724,012 75th$1,877,41895th$4,075,790
With additional cost containment: $1.97M to $3.02M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,200,400
median five-year savings
+16% expected savings
5th$424,50025th$781,092 75th$1,958,95895th$4,310,180
With additional cost containment: $1.98M to $2.62M more potential savings; win rate rises to ~100%.
Taft-Hartley 71% chance of beating Fully Insured
$703,158
median five-year savings
+10% expected savings
5th−$976,13925th−$139,221 75th$2,016,44095th$5,136,379
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$864 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 · $1,200,400
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
OR 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Oregon 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-Hartley71%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,407,040
Self-Funded $2,122,321
Self-Funded Captive $2,198,644
Taft-Hartley $1,301,670
5th to 95th percentile 25th to 75th Median
PEO 34% chance of beating Fully Insured
−$1,407,040
median five-year savings
-11% expected savings
5th−$7,357,45525th−$3,547,834 75th$1,011,11795th$6,283,290
Self-Funded 98% chance of beating Fully Insured
$2,122,321
median five-year savings
+16% expected savings
5th$531,12925th$1,431,495 75th$3,294,11895th$6,523,084
With additional cost containment: $3.26M to $4.93M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,198,644
median five-year savings
+17% expected savings
5th$810,47825th$1,469,521 75th$3,506,39395th$6,973,461
With additional cost containment: $3.31M to $4.37M more potential savings; win rate rises to ~100%.
Taft-Hartley 71% chance of beating Fully Insured
$1,301,670
median five-year savings
+10% expected savings
5th−$1,656,37725th−$221,415 75th$3,447,92795th$8,738,795
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$864 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 · $2,198,644
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
OR 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Oregon 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-Hartley75%
Five-year median and percentile savings vs staying Fully Insured
PEO −$2,804,735
Self-Funded $4,108,583
Self-Funded Captive $4,114,529
Taft-Hartley $2,582,586
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$2,804,735
median five-year savings
-12% expected savings
5th−$14,479,51425th−$6,639,461 75th$1,053,90095th$9,413,346
Self-Funded 100% chance of beating Fully Insured
$4,108,583
median five-year savings
+16% expected savings
5th$1,320,14225th$2,726,005 75th$6,386,74395th$12,769,732
With additional cost containment: $6.58M to $8.60M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,114,529
median five-year savings
+16% expected savings
5th$1,519,41725th$2,759,389 75th$6,423,98995th$12,970,063
With additional cost containment: $6.62M to $8.04M more potential savings; win rate rises to ~100%.
Taft-Hartley 75% chance of beating Fully Insured
$2,582,586
median five-year savings
+10% expected savings
5th−$2,472,04125th−$30,166 75th$6,135,04795th$13,731,992
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$864 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 · $4,114,529
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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