PEO 93% chance of beating Fully Insured
$124,729
median five-year savings
+19% expected savings
5th−$17,01925th$78,883 75th$154,80295th$182,097
Texas Health-Plan Funding Guide
Texas 2026 funding analysis (archived)
Plan year 2026 · archived results View the Texas 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
TX 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Texas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded79%
Taft-Hartley44%
Five-year median and percentile savings vs staying Fully Insured
PEO $124,729
Level-Funded $102,475
Taft-Hartley −$2,467
5th to 95th percentile 25th to 75th Median
Level-Funded 79% chance of beating Fully Insured
$102,475
median five-year savings
+10% expected savings
5th−$200,38925th$21,424 75th$135,77295th$156,378
With additional cost containment: $122K to $219K more potential savings; win rate rises to ~95%.
Taft-Hartley 44% chance of beating Fully Insured
−$2,467
median five-year savings
+0% expected savings
5th−$26,98325th−$12,020 75th$8,37395th$25,304
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$798 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 · $124,729
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
TX 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Texas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded90%
Self-Funded Captive92%
Taft-Hartley44%
Five-year median and percentile savings vs staying Fully Insured
PEO $374,186
Level-Funded $455,372
Self-Funded Captive $416,030
Taft-Hartley −$7,401
5th to 95th percentile 25th to 75th Median
PEO 93% chance of beating Fully Insured
$374,186
median five-year savings
+19% expected savings
5th−$51,05825th$236,650 75th$464,40795th$546,291
Level-Funded 90% chance of beating Fully Insured
$455,372
median five-year savings
+22% expected savings
5th−$222,01325th$284,105 75th$530,53995th$591,956
With additional cost containment: $310K to $491K more potential savings; win rate rises to ~99%.
Self-Funded Captive 92% chance of beating Fully Insured
$416,030
median five-year savings
+21% expected savings
5th−$84,88125th$274,984 75th$499,17095th$576,810
With additional cost containment: $317K to $455K more potential savings; win rate rises to ~99%.
Taft-Hartley 44% chance of beating Fully Insured
−$7,401
median five-year savings
+0% expected savings
5th−$80,95025th−$36,059 75th$25,11895th$75,912
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$798 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 · $455,372
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
TX 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Texas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO42%
Level-Funded92%
Self-Funded Captive100%
Taft-Hartley40%
Five-year median and percentile savings vs staying Fully Insured
PEO −$140,420
Level-Funded $341,253
Self-Funded Captive $484,952
Taft-Hartley −$131,582
5th to 95th percentile 25th to 75th Median
PEO 42% chance of beating Fully Insured
−$140,420
median five-year savings
-5% expected savings
5th−$1,432,25125th−$574,581 75th$344,81595th$1,445,596
Level-Funded 92% chance of beating Fully Insured
$341,253
median five-year savings
+11% expected savings
5th−$137,26825th$191,355 75th$598,16595th$1,423,354
With additional cost containment: $842K to $1.24M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$484,952
median five-year savings
+15% expected savings
5th$197,26025th$334,973 75th$748,19295th$1,589,133
With additional cost containment: $816K to $1.08M more potential savings; win rate rises to ~100%.
Taft-Hartley 40% chance of beating Fully Insured
−$131,582
median five-year savings
-1% expected savings
5th−$675,12325th−$416,950 75th$320,88995th$1,387,784
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$798 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 · $484,952
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
TX 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Texas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO35%
Self-Funded96%
Self-Funded Captive100%
Taft-Hartley43%
Five-year median and percentile savings vs staying Fully Insured
PEO −$622,436
Self-Funded $1,117,050
Self-Funded Captive $1,156,838
Taft-Hartley −$196,371
5th to 95th percentile 25th to 75th Median
PEO 35% chance of beating Fully Insured
−$622,436
median five-year savings
-9% expected savings
5th−$3,661,30225th−$1,676,752 75th$497,26195th$3,133,796
Self-Funded 96% chance of beating Fully Insured
$1,117,050
median five-year savings
+15% expected savings
5th$91,87325th$755,390 75th$1,615,02195th$3,169,813
With additional cost containment: $1.76M to $2.70M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,156,838
median five-year savings
+16% expected savings
5th$563,21625th$837,394 75th$1,708,58295th$3,422,088
With additional cost containment: $1.77M to $2.34M more potential savings; win rate rises to ~100%.
Taft-Hartley 43% chance of beating Fully Insured
−$196,371
median five-year savings
-1% expected savings
5th−$1,621,89925th−$908,584 75th$897,51895th$3,371,036
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$798 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 · $1,156,838
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
TX 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Texas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO29%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley45%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,664,649
Self-Funded $1,974,838
Self-Funded Captive $2,079,052
Taft-Hartley −$279,635
5th to 95th percentile 25th to 75th Median
PEO 29% chance of beating Fully Insured
−$1,664,649
median five-year savings
-14% expected savings
5th−$7,091,04525th−$3,534,944 75th$399,58495th$4,840,251
Self-Funded 99% chance of beating Fully Insured
$1,974,838
median five-year savings
+16% expected savings
5th$757,93025th$1,451,688 75th$2,849,08295th$5,123,098
With additional cost containment: $2.92M to $4.41M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,079,052
median five-year savings
+17% expected savings
5th$1,011,75425th$1,508,070 75th$3,052,83495th$5,715,073
With additional cost containment: $2.95M to $3.91M more potential savings; win rate rises to ~100%.
Taft-Hartley 45% chance of beating Fully Insured
−$279,635
median five-year savings
+0% expected savings
5th−$2,761,54625th−$1,530,930 75th$1,588,40495th$6,013,049
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$798 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 · $2,079,052
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
TX 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Texas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO26%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley44%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,292,002
Self-Funded $3,810,936
Self-Funded Captive $3,936,411
Taft-Hartley −$484,958
5th to 95th percentile 25th to 75th Median
PEO 26% chance of beating Fully Insured
−$3,292,002
median five-year savings
-15% expected savings
5th−$14,085,90325th−$6,696,320 75th$128,49395th$6,596,659
Self-Funded 100% chance of beating Fully Insured
$3,810,936
median five-year savings
+16% expected savings
5th$1,709,23525th$2,791,252 75th$5,509,82595th$10,008,778
With additional cost containment: $5.91M to $7.69M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,936,411
median five-year savings
+16% expected savings
5th$1,936,54825th$2,882,109 75th$5,677,53595th$10,344,680
With additional cost containment: $5.92M to $7.17M more potential savings; win rate rises to ~100%.
Taft-Hartley 44% chance of beating Fully Insured
−$484,958
median five-year savings
-1% expected savings
5th−$4,777,91025th−$2,675,519 75th$2,416,67595th$8,774,932
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$798 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 · $3,936,411
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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