PEO 91% chance of beating Fully Insured
$119,585
median five-year savings
+17% expected savings
5th−$35,56825th$69,986 75th$152,42695th$182,183
Pennsylvania Health-Plan Funding Guide
Pennsylvania 2026 funding analysis (archived)
Plan year 2026 · archived results View the Pennsylvania 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
PA 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Pennsylvania market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO91%
Level-Funded75%
Taft-Hartley98%
Five-year median and percentile savings vs staying Fully Insured
PEO $119,585
Level-Funded $90,666
Taft-Hartley $32,747
5th to 95th percentile 25th to 75th Median
Level-Funded 75% chance of beating Fully Insured
$90,666
median five-year savings
+7% expected savings
5th−$244,63125th$1,200 75th$127,58195th$150,472
With additional cost containment: $134K to $242K more potential savings; win rate rises to ~93%.
Taft-Hartley 98% chance of beating Fully Insured
$32,747
median five-year savings
+6% expected savings
5th$6,59825th$22,605 75th$44,33895th$62,187
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$873 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 · $119,585
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
PA 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Pennsylvania 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-Hartley98%
Five-year median and percentile savings vs staying Fully Insured
PEO $358,754
Level-Funded $435,860
Self-Funded Captive $385,891
Taft-Hartley $98,242
5th to 95th percentile 25th to 75th Median
PEO 91% chance of beating Fully Insured
$358,754
median five-year savings
+17% expected savings
5th−$106,70425th$209,957 75th$457,27995th$546,549
Level-Funded 88% chance of beating Fully Insured
$435,860
median five-year savings
+19% expected savings
5th−$314,06925th$246,100 75th$518,68195th$587,527
With additional cost containment: $342K to $542K more potential savings; win rate rises to ~99%.
Self-Funded Captive 90% chance of beating Fully Insured
$385,891
median five-year savings
+18% expected savings
5th−$164,34925th$230,446 75th$478,71095th$563,801
With additional cost containment: $352K to $503K more potential savings; win rate rises to ~99%.
Taft-Hartley 98% chance of beating Fully Insured
$98,242
median five-year savings
+6% expected savings
5th$19,79425th$67,816 75th$133,01595th$186,560
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$873 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 · $435,860
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
PA 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Pennsylvania 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-Hartley69%
Five-year median and percentile savings vs staying Fully Insured
PEO −$129,118
Level-Funded $364,619
Self-Funded Captive $510,592
Taft-Hartley $255,306
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$129,118
median five-year savings
-4% expected savings
5th−$1,536,69025th−$598,097 75th$424,02195th$1,696,028
Level-Funded 91% chance of beating Fully Insured
$364,619
median five-year savings
+11% expected savings
5th−$173,62925th$191,689 75th$672,62495th$1,662,311
With additional cost containment: $931K to $1.37M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$510,592
median five-year savings
+15% expected savings
5th$177,99725th$335,539 75th$827,86295th$1,835,116
With additional cost containment: $904K to $1.20M more potential savings; win rate rises to ~100%.
Taft-Hartley 69% chance of beating Fully Insured
$255,306
median five-year savings
+8% expected savings
5th−$361,46825th−$67,442 75th$778,57395th$2,019,810
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$873 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 · $510,592
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
PA 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Pennsylvania 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-Hartley70%
Five-year median and percentile savings vs staying Fully Insured
PEO −$608,637
Self-Funded $1,214,877
Self-Funded Captive $1,232,064
Taft-Hartley $646,927
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$608,637
median five-year savings
-8% expected savings
5th−$3,936,56725th−$1,783,921 75th$652,53895th$3,695,156
Self-Funded 96% chance of beating Fully Insured
$1,214,877
median five-year savings
+15% expected savings
5th$45,58325th$794,560 75th$1,808,29595th$3,679,693
With additional cost containment: $1.95M to $2.98M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,232,064
median five-year savings
+16% expected savings
5th$538,82425th$858,166 75th$1,889,98395th$3,936,148
With additional cost containment: $1.96M to $2.59M more potential savings; win rate rises to ~100%.
Taft-Hartley 70% chance of beating Fully Insured
$646,927
median five-year savings
+9% expected savings
5th−$961,02425th−$160,404 75th$1,864,89795th$4,721,912
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$873 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 · $1,232,064
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
PA 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Pennsylvania 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-Hartley70%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,689,848
Self-Funded $2,153,339
Self-Funded Captive $2,222,506
Taft-Hartley $1,151,662
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,689,848
median five-year savings
-13% expected savings
5th−$7,647,97225th−$3,748,738 75th$634,95095th$5,658,119
Self-Funded 99% chance of beating Fully Insured
$2,153,339
median five-year savings
+16% expected savings
5th$727,59925th$1,547,493 75th$3,184,46495th$5,930,887
With additional cost containment: $3.23M to $4.87M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,222,506
median five-year savings
+17% expected savings
5th$975,26925th$1,568,114 75th$3,369,30795th$6,421,292
With additional cost containment: $3.27M to $4.33M more potential savings; win rate rises to ~100%.
Taft-Hartley 70% chance of beating Fully Insured
$1,151,662
median five-year savings
+9% expected savings
5th−$1,661,69425th−$267,062 75th$3,272,19995th$8,346,743
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$873 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 · $2,222,506
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
PA 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Pennsylvania 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-Hartley73%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,346,119
Self-Funded $4,160,432
Self-Funded Captive $4,196,506
Taft-Hartley $2,324,179
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$3,346,119
median five-year savings
-14% expected savings
5th−$15,186,74925th−$7,105,578 75th$492,96695th$8,108,349
Self-Funded 100% chance of beating Fully Insured
$4,160,432
median five-year savings
+16% expected savings
5th$1,699,32925th$2,951,608 75th$6,145,04995th$11,576,748
With additional cost containment: $6.52M to $8.50M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,196,506
median five-year savings
+16% expected savings
5th$1,869,18325th$2,972,581 75th$6,234,22195th$11,760,007
With additional cost containment: $6.55M to $7.94M more potential savings; win rate rises to ~100%.
Taft-Hartley 73% chance of beating Fully Insured
$2,324,179
median five-year savings
+9% expected savings
5th−$2,486,12725th−$148,242 75th$5,646,79895th$12,849,279
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$873 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 · $4,196,506
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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