PEO 92% chance of beating Fully Insured
$116,139
median five-year savings
+17% expected savings
5th−$31,59425th$68,900 75th$147,43295th$175,758
Virginia Health-Plan Funding Guide
Virginia 2026 funding analysis (archived)
Plan year 2026 · archived results View the Virginia 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
VA 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Virginia market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO92%
Level-Funded76%
Taft-Hartley69%
Five-year median and percentile savings vs staying Fully Insured
PEO $116,139
Level-Funded $92,963
Taft-Hartley $6,955
5th to 95th percentile 25th to 75th Median
Level-Funded 76% chance of beating Fully Insured
$92,963
median five-year savings
+8% expected savings
5th−$222,58925th$8,471 75th$127,75595th$149,179
With additional cost containment: $127K to $228K more potential savings; win rate rises to ~94%.
Taft-Hartley 69% chance of beating Fully Insured
$6,955
median five-year savings
+1% expected savings
5th−$18,01325th−$2,768 75th$17,99495th$35,227
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$831 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 · $116,139
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
VA 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Virginia market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO92%
Level-Funded88%
Self-Funded Captive91%
Taft-Hartley69%
Five-year median and percentile savings vs staying Fully Insured
PEO $348,417
Level-Funded $433,489
Self-Funded Captive $389,713
Taft-Hartley $20,866
5th to 95th percentile 25th to 75th Median
PEO 92% chance of beating Fully Insured
$348,417
median five-year savings
+17% expected savings
5th−$94,78325th$206,699 75th$442,29595th$527,273
Level-Funded 88% chance of beating Fully Insured
$433,489
median five-year savings
+20% expected savings
5th−$272,97225th$254,329 75th$511,56595th$575,492
With additional cost containment: $323K to $511K more potential savings; win rate rises to ~99%.
Self-Funded Captive 91% chance of beating Fully Insured
$389,713
median five-year savings
+19% expected savings
5th−$130,83225th$243,584 75th$477,27695th$557,492
With additional cost containment: $331K to $474K more potential savings; win rate rises to ~99%.
Taft-Hartley 69% chance of beating Fully Insured
$20,866
median five-year savings
+1% expected savings
5th−$54,03825th−$8,305 75th$53,98195th$105,682
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$831 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 · $433,489
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
VA 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Virginia 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-Hartley52%
Five-year median and percentile savings vs staying Fully Insured
PEO −$146,271
Level-Funded $355,472
Self-Funded Captive $499,908
Taft-Hartley $25,448
5th to 95th percentile 25th to 75th Median
PEO 42% chance of beating Fully Insured
−$146,271
median five-year savings
-5% expected savings
5th−$1,491,92825th−$598,521 75th$359,18295th$1,505,829
Level-Funded 92% chance of beating Fully Insured
$355,472
median five-year savings
+11% expected savings
5th−$142,98825th$199,328 75th$623,08995th$1,482,660
With additional cost containment: $877K to $1.29M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$499,908
median five-year savings
+15% expected savings
5th$200,22925th$343,680 75th$774,11795th$1,650,096
With additional cost containment: $851K to $1.13M more potential savings; win rate rises to ~100%.
Taft-Hartley 52% chance of beating Fully Insured
$25,448
median five-year savings
+3% expected savings
5th−$540,71025th−$273,346 75th$497,47095th$1,607,746
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$831 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 · $499,908
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
VA 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Virginia 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-Hartley54%
Five-year median and percentile savings vs staying Fully Insured
PEO −$648,371
Self-Funded $1,163,594
Self-Funded Captive $1,193,790
Taft-Hartley $142,410
5th to 95th percentile 25th to 75th Median
PEO 35% chance of beating Fully Insured
−$648,371
median five-year savings
-9% expected savings
5th−$3,813,85625th−$1,746,617 75th$517,98195th$3,264,371
Self-Funded 96% chance of beating Fully Insured
$1,163,594
median five-year savings
+15% expected savings
5th$95,70125th$786,865 75th$1,682,31495th$3,301,888
With additional cost containment: $1.84M to $2.81M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,193,790
median five-year savings
+16% expected savings
5th$575,43325th$861,035 75th$1,768,52395th$3,553,425
With additional cost containment: $1.84M to $2.44M more potential savings; win rate rises to ~100%.
Taft-Hartley 54% chance of beating Fully Insured
$142,410
median five-year savings
+3% expected savings
5th−$1,341,53025th−$602,106 75th$1,281,01595th$3,861,789
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$831 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 · $1,193,790
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
VA 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Virginia 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-Hartley55%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,734,009
Self-Funded $2,057,123
Self-Funded Captive $2,146,929
Taft-Hartley $291,655
5th to 95th percentile 25th to 75th Median
PEO 29% chance of beating Fully Insured
−$1,734,009
median five-year savings
-14% expected savings
5th−$7,386,50525th−$3,682,233 75th$416,23495th$5,041,928
Self-Funded 99% chance of beating Fully Insured
$2,057,123
median five-year savings
+16% expected savings
5th$789,51025th$1,512,175 75th$2,967,79495th$5,336,560
With additional cost containment: $3.05M to $4.60M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,146,929
median five-year savings
+17% expected savings
5th$1,035,16125th$1,552,157 75th$3,161,28595th$5,934,451
With additional cost containment: $3.08M to $4.08M more potential savings; win rate rises to ~100%.
Taft-Hartley 55% chance of beating Fully Insured
$291,655
median five-year savings
+4% expected savings
5th−$2,298,33925th−$1,014,071 75th$2,234,83995th$6,839,472
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$831 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 · $2,146,929
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
VA 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Virginia 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-Hartley57%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,429,169
Self-Funded $3,969,725
Self-Funded Captive $4,062,928
Taft-Hartley $660,036
5th to 95th percentile 25th to 75th Median
PEO 26% chance of beating Fully Insured
−$3,429,169
median five-year savings
-15% expected savings
5th−$14,672,81525th−$6,975,333 75th$133,84795th$6,871,520
Self-Funded 100% chance of beating Fully Insured
$3,969,725
median five-year savings
+16% expected savings
5th$1,780,45325th$2,907,554 75th$5,739,40195th$10,425,810
With additional cost containment: $6.15M to $8.01M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,062,928
median five-year savings
+16% expected savings
5th$1,979,73825th$2,964,697 75th$5,876,59995th$10,738,209
With additional cost containment: $6.17M to $7.48M more potential savings; win rate rises to ~100%.
Taft-Hartley 57% chance of beating Fully Insured
$660,036
median five-year savings
+3% expected savings
5th−$3,814,23625th−$1,626,805 75th$3,668,30495th$10,285,313
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$831 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 · $4,062,928
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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