PEO 93% chance of beating Fully Insured
$145,376
median five-year savings
+19% expected savings
5th−$25,96825th$90,200 75th$181,70595th$214,476
Rhode Island Health-Plan Funding Guide
Rhode Island 2026 funding analysis (archived)
Plan year 2026 · archived results View the Rhode Island 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
RI 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Rhode Island market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $145,376
Taft-Hartley $107,688
5th to 95th percentile 25th to 75th Median
Taft-Hartley 100% chance of beating Fully Insured
$107,688
median five-year savings
+16% expected savings
5th$78,59525th$96,110 75th$120,67395th$140,344
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$964 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 · $145,376
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
RI 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Rhode Island market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $436,127
Taft-Hartley $323,063
5th to 95th percentile 25th to 75th Median
PEO 93% chance of beating Fully Insured
$436,127
median five-year savings
+19% expected savings
5th−$77,90425th$270,600 75th$545,11495th$643,428
Taft-Hartley 100% chance of beating Fully Insured
$323,063
median five-year savings
+16% expected savings
5th$235,78525th$288,329 75th$362,01995th$421,031
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$964 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 · $436,127
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
RI 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Rhode Island market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO47%
Taft-Hartley96%
Five-year median and percentile savings vs staying Fully Insured
PEO −$72,221
Taft-Hartley $767,641
5th to 95th percentile 25th to 75th Median
PEO 47% chance of beating Fully Insured
−$72,221
median five-year savings
-2% expected savings
5th−$1,656,88625th−$591,276 75th$578,41595th$2,084,031
Taft-Hartley 96% chance of beating Fully Insured
$767,641
median five-year savings
+19% expected savings
5th$36,23625th$383,998 75th$1,389,99095th$2,936,948
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$964 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 costTaft-Hartley · ~9% cheaper
Highest modeled five-year medianTaft-Hartley · $767,641
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
RI 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Rhode Island market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO40%
Taft-Hartley93%
Five-year median and percentile savings vs staying Fully Insured
PEO −$513,887
Taft-Hartley $1,747,409
5th to 95th percentile 25th to 75th Median
PEO 40% chance of beating Fully Insured
−$513,887
median five-year savings
-7% expected savings
5th−$4,228,45425th−$1,835,001 75th$917,35495th$4,631,572
Taft-Hartley 93% chance of beating Fully Insured
$1,747,409
median five-year savings
+19% expected savings
5th−$123,34625th$808,316 75th$3,212,73895th$6,699,882
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$964 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 costTaft-Hartley · ~9% cheaper
Highest modeled five-year medianTaft-Hartley · $1,747,409
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
RI 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Rhode Island market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO34%
Taft-Hartley93%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,569,391
Taft-Hartley $3,043,101
5th to 95th percentile 25th to 75th Median
PEO 34% chance of beating Fully Insured
−$1,569,391
median five-year savings
-11% expected savings
5th−$8,206,39225th−$3,957,200 75th$1,127,78495th$7,008,285
Taft-Hartley 93% chance of beating Fully Insured
$3,043,101
median five-year savings
+19% expected savings
5th−$241,84525th$1,349,394 75th$5,454,34195th$11,348,738
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$964 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 costTaft-Hartley · ~9% cheaper
Highest modeled five-year medianTaft-Hartley · $3,043,101
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
RI 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Rhode Island market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO31%
Taft-Hartley96%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,128,359
Taft-Hartley $6,081,295
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$3,128,359
median five-year savings
-12% expected savings
5th−$16,150,22725th−$7,405,553 75th$1,175,50495th$10,499,501
Taft-Hartley 96% chance of beating Fully Insured
$6,081,295
median five-year savings
+19% expected savings
5th$492,94325th$3,180,598 75th$10,065,37395th$18,522,241
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$964 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 costTaft-Hartley · ~9% cheaper
Highest modeled five-year medianTaft-Hartley · $6,081,295
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.
Ready to make this specific to your company?
Use your own data or speak with a Benefitra advisor.