PEO 95% chance of beating Fully Insured
$172,225
median five-year savings
+22% expected savings
5th$3,79225th$117,511 75th$207,90195th$240,607
Vermont Health-Plan Funding Guide
Vermont 2026 funding analysis (archived)
Plan year 2026 · archived results View the Vermont 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
VT 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Vermont market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO95%
Level-Funded82%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $172,225
Level-Funded $150,377
Taft-Hartley $125,562
5th to 95th percentile 25th to 75th Median
Level-Funded 82% chance of beating Fully Insured
$150,377
median five-year savings
+14% expected savings
5th−$205,42925th$55,622 75th$189,34595th$214,399
With additional cost containment: $144K to $258K more potential savings; win rate rises to ~96%.
Taft-Hartley 100% chance of beating Fully Insured
$125,562
median five-year savings
+18% expected savings
5th$95,53725th$113,633 75th$138,72495th$158,710
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$947 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 · $172,225
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
VT 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Vermont market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO95%
Level-Funded92%
Self-Funded Captive94%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $516,676
Level-Funded $626,055
Self-Funded Captive $570,247
Taft-Hartley $376,687
5th to 95th percentile 25th to 75th Median
PEO 95% chance of beating Fully Insured
$516,676
median five-year savings
+22% expected savings
5th$11,37625th$352,534 75th$623,70495th$721,822
Level-Funded 92% chance of beating Fully Insured
$626,055
median five-year savings
+25% expected savings
5th−$169,09625th$424,972 75th$714,82595th$785,410
With additional cost containment: $364K to $577K more potential savings; win rate rises to ~100%.
Self-Funded Captive 94% chance of beating Fully Insured
$570,247
median five-year savings
+24% expected savings
5th−$17,70925th$404,331 75th$669,53295th$759,025
With additional cost containment: $376K to $538K more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$376,687
median five-year savings
+18% expected savings
5th$286,61225th$340,900 75th$416,17195th$476,130
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$947 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 · $626,055
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
VT 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Vermont market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO64%
Level-Funded86%
Self-Funded Captive92%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $219,743
Level-Funded $907,595
Self-Funded Captive $985,313
Taft-Hartley $878,936
5th to 95th percentile 25th to 75th Median
PEO 64% chance of beating Fully Insured
$219,743
median five-year savings
+1% expected savings
5th−$1,294,40525th−$252,354 75th$528,88495th$807,139
Level-Funded 86% chance of beating Fully Insured
$907,595
median five-year savings
+14% expected savings
5th−$937,75225th$478,573 75th$1,126,76195th$1,352,213
With additional cost containment: $991K to $1.45M more potential savings; win rate rises to ~98%.
Self-Funded Captive 92% chance of beating Fully Insured
$985,313
median five-year savings
+18% expected savings
5th−$218,97025th$635,185 75th$1,216,55695th$1,473,493
With additional cost containment: $964K to $1.28M more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$878,936
median five-year savings
+18% expected savings
5th$668,76125th$795,434 75th$971,06595th$1,110,970
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$947 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 · $985,313
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
VT 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Vermont market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO33%
Self-Funded96%
Self-Funded Captive100%
Taft-Hartley87%
Five-year median and percentile savings vs staying Fully Insured
PEO −$824,437
Self-Funded $1,336,064
Self-Funded Captive $1,334,019
Taft-Hartley $1,250,731
5th to 95th percentile 25th to 75th Median
PEO 33% chance of beating Fully Insured
−$824,437
median five-year savings
-10% expected savings
5th−$4,412,74025th−$2,066,065 75th$474,82495th$3,535,477
Self-Funded 96% chance of beating Fully Insured
$1,336,064
median five-year savings
+15% expected savings
5th$174,60125th$933,887 75th$1,883,01595th$3,539,045
With additional cost containment: $2.07M to $3.17M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,334,019
median five-year savings
+16% expected savings
5th$673,40425th$979,635 75th$1,946,49295th$3,810,923
With additional cost containment: $2.09M to $2.77M more potential savings; win rate rises to ~100%.
Taft-Hartley 87% chance of beating Fully Insured
$1,250,731
median five-year savings
+15% expected savings
5th−$399,12025th$428,703 75th$2,470,45595th$5,343,057
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$947 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 · $1,336,064
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
VT 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Vermont market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO27%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley86%
Five-year median and percentile savings vs staying Fully Insured
PEO −$2,119,493
Self-Funded $2,354,285
Self-Funded Captive $2,386,597
Taft-Hartley $2,125,420
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$2,119,493
median five-year savings
-15% expected savings
5th−$8,489,75625th−$4,338,176 75th$255,94895th$5,426,944
Self-Funded 99% chance of beating Fully Insured
$2,354,285
median five-year savings
+16% expected savings
5th$1,000,15525th$1,777,686 75th$3,294,40395th$5,733,135
With additional cost containment: $3.44M to $5.19M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,386,597
median five-year savings
+17% expected savings
5th$1,197,40725th$1,751,679 75th$3,481,47095th$6,428,953
With additional cost containment: $3.49M to $4.62M more potential savings; win rate rises to ~100%.
Taft-Hartley 86% chance of beating Fully Insured
$2,125,420
median five-year savings
+15% expected savings
5th−$747,43925th$675,326 75th$4,294,98795th$9,336,144
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$947 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 · $2,386,597
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
VT 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Vermont market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO24%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley91%
Five-year median and percentile savings vs staying Fully Insured
PEO −$4,150,881
Self-Funded $4,552,459
Self-Funded Captive $4,527,838
Taft-Hartley $4,350,060
5th to 95th percentile 25th to 75th Median
PEO 24% chance of beating Fully Insured
−$4,150,881
median five-year savings
-16% expected savings
5th−$16,917,75125th−$8,195,822 75th−$277,19295th$7,165,330
Self-Funded 100% chance of beating Fully Insured
$4,552,459
median five-year savings
+16% expected savings
5th$2,206,91325th$3,428,019 75th$6,408,75495th$11,220,339
With additional cost containment: $6.95M to $9.04M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,527,838
median five-year savings
+16% expected savings
5th$2,300,10725th$3,343,278 75th$6,419,96295th$11,564,678
With additional cost containment: $7.00M to $8.47M more potential savings; win rate rises to ~100%.
Taft-Hartley 91% chance of beating Fully Insured
$4,350,060
median five-year savings
+14% expected savings
5th−$598,53825th$1,828,856 75th$7,669,94195th$14,665,982
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$947 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 · $4,552,459
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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