PEO 93% chance of beating Fully Insured
$144,213
median five-year savings
+20% expected savings
5th−$18,21425th$91,641 75th$178,61495th$209,976
Washington Health-Plan Funding Guide
Washington 2026 funding analysis (archived)
Plan year 2026 · archived results View the Washington 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
WA 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Washington market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded80%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $144,213
Level-Funded $123,275
Taft-Hartley $79,643
5th to 95th percentile 25th to 75th Median
Level-Funded 80% chance of beating Fully Insured
$123,275
median five-year savings
+11% expected savings
5th−$219,92725th$31,665 75th$161,00095th$184,743
With additional cost containment: $139K to $249K more potential savings; win rate rises to ~95%.
Taft-Hartley 100% chance of beating Fully Insured
$79,643
median five-year savings
+13% expected savings
5th$51,53225th$68,550 75th$92,01895th$111,000
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$914 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 · $144,213
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
WA 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Washington market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded90%
Self-Funded Captive93%
Taft-Hartley100%
Five-year median and percentile savings vs staying Fully Insured
PEO $432,640
Level-Funded $538,379
Self-Funded Captive $486,894
Taft-Hartley $238,929
5th to 95th percentile 25th to 75th Median
PEO 93% chance of beating Fully Insured
$432,640
median five-year savings
+20% expected savings
5th−$54,64325th$274,922 75th$535,84295th$629,929
Level-Funded 90% chance of beating Fully Insured
$538,379
median five-year savings
+23% expected savings
5th−$229,43925th$344,568 75th$623,79595th$692,443
With additional cost containment: $352K to $557K more potential savings; win rate rises to ~99%.
Self-Funded Captive 93% chance of beating Fully Insured
$486,894
median five-year savings
+22% expected savings
5th−$82,29025th$326,590 75th$581,10095th$668,834
With additional cost containment: $363K to $519K more potential savings; win rate rises to ~99%.
Taft-Hartley 100% chance of beating Fully Insured
$238,929
median five-year savings
+13% expected savings
5th$154,59625th$205,651 75th$276,05595th$332,999
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$914 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 · $538,379
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
WA 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Washington market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO40%
Level-Funded92%
Self-Funded Captive100%
Taft-Hartley80%
Five-year median and percentile savings vs staying Fully Insured
PEO −$197,560
Level-Funded $394,035
Self-Funded Captive $541,638
Taft-Hartley $379,593
5th to 95th percentile 25th to 75th Median
PEO 40% chance of beating Fully Insured
−$197,560
median five-year savings
-6% expected savings
5th−$1,668,93725th−$681,383 75th$345,91695th$1,530,975
Level-Funded 92% chance of beating Fully Insured
$394,035
median five-year savings
+11% expected savings
5th−$133,66025th$238,791 75th$667,91195th$1,542,920
With additional cost containment: $956K to $1.40M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$541,638
median five-year savings
+15% expected savings
5th$237,39925th$383,871 75th$818,10695th$1,701,718
With additional cost containment: $929K to $1.23M more potential savings; win rate rises to ~100%.
Taft-Hartley 80% chance of beating Fully Insured
$379,593
median five-year savings
+11% expected savings
5th−$222,53725th$64,856 75th$877,59995th$2,077,546
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$914 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 · $541,638
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
WA 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Washington 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-Hartley79%
Five-year median and percentile savings vs staying Fully Insured
PEO −$795,509
Self-Funded $1,289,185
Self-Funded Captive $1,296,685
Taft-Hartley $910,461
5th to 95th percentile 25th to 75th Median
PEO 33% chance of beating Fully Insured
−$795,509
median five-year savings
-10% expected savings
5th−$4,257,90725th−$1,993,572 75th$458,16395th$3,411,425
Self-Funded 96% chance of beating Fully Insured
$1,289,185
median five-year savings
+15% expected savings
5th$168,47425th$901,119 75th$1,816,94495th$3,414,868
With additional cost containment: $2.00M to $3.06M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,296,685
median five-year savings
+16% expected savings
5th$659,24925th$954,736 75th$1,887,66795th$3,686,680
With additional cost containment: $2.01M to $2.67M more potential savings; win rate rises to ~100%.
Taft-Hartley 79% chance of beating Fully Insured
$910,461
median five-year savings
+11% expected savings
5th−$680,49825th$121,778 75th$2,092,79695th$4,861,404
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$914 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 · $1,296,685
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
WA 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Washington 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-Hartley78%
Five-year median and percentile savings vs staying Fully Insured
PEO −$2,045,125
Self-Funded $2,271,678
Self-Funded Captive $2,318,646
Taft-Hartley $1,557,595
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$2,045,125
median five-year savings
-15% expected savings
5th−$8,191,86925th−$4,185,959 75th$246,96795th$5,236,525
Self-Funded 99% chance of beating Fully Insured
$2,271,678
median five-year savings
+16% expected savings
5th$965,06225th$1,715,311 75th$3,178,81095th$5,531,972
With additional cost containment: $3.32M to $5.00M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,318,646
median five-year savings
+17% expected savings
5th$1,171,18225th$1,706,006 75th$3,375,10395th$6,219,166
With additional cost containment: $3.37M to $4.45M more potential savings; win rate rises to ~100%.
Taft-Hartley 78% chance of beating Fully Insured
$1,557,595
median five-year savings
+12% expected savings
5th−$1,210,79025th$164,821 75th$3,657,31695th$8,521,043
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$914 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 · $2,318,646
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
WA 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Washington 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-Hartley84%
Five-year median and percentile savings vs staying Fully Insured
PEO −$4,005,236
Self-Funded $4,392,723
Self-Funded Captive $4,400,545
Taft-Hartley $3,233,306
5th to 95th percentile 25th to 75th Median
PEO 24% chance of beating Fully Insured
−$4,005,236
median five-year savings
-16% expected savings
5th−$16,324,14525th−$7,908,249 75th−$267,46695th$6,913,915
Self-Funded 100% chance of beating Fully Insured
$4,392,723
median five-year savings
+16% expected savings
5th$2,129,47725th$3,307,737 75th$6,183,88695th$10,826,643
With additional cost containment: $6.70M to $8.72M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,400,545
median five-year savings
+16% expected savings
5th$2,250,98025th$3,257,548 75th$6,226,27995th$11,190,479
With additional cost containment: $6.75M to $8.16M more potential savings; win rate rises to ~100%.
Taft-Hartley 84% chance of beating Fully Insured
$3,233,306
median five-year savings
+11% expected savings
5th−$1,552,43225th$792,345 75th$6,426,56995th$13,177,171
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$914 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 · $4,400,545
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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