PEO 93% chance of beating Fully Insured
$109,746
median five-year savings
+19% expected savings
5th−$17,25325th$68,747 75th$136,71195th$161,065
West Virginia Health-Plan Funding Guide
West Virginia 2026 funding analysis (archived)
Plan year 2026 · archived results View the West 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
WV 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 West Virginia market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded74%
Taft-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $109,746
Level-Funded $70,673
Taft-Hartley −$62,116
5th to 95th percentile 25th to 75th Median
Level-Funded 74% chance of beating Fully Insured
$70,673
median five-year savings
+6% expected savings
5th−$216,18825th−$5,517 75th$102,41495th$122,336
With additional cost containment: $114K to $207K more potential savings; win rate rises to ~93%.
Taft-Hartley 0% chance of beating Fully Insured
−$62,116
median five-year savings
-13% expected savings
5th−$84,01825th−$70,655 75th−$52,19795th−$37,257
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$715 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 · $109,746
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
WV 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 West Virginia market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded87%
Self-Funded Captive90%
Taft-Hartley0%
Five-year median and percentile savings vs staying Fully Insured
PEO $329,239
Level-Funded $351,521
Self-Funded Captive $315,905
Taft-Hartley −$186,349
5th to 95th percentile 25th to 75th Median
PEO 93% chance of beating Fully Insured
$329,239
median five-year savings
+19% expected savings
5th−$51,75925th$206,242 75th$410,13395th$483,195
Level-Funded 87% chance of beating Fully Insured
$351,521
median five-year savings
+18% expected savings
5th−$288,45025th$187,840 75th$422,64595th$481,391
With additional cost containment: $291K to $462K more potential savings; win rate rises to ~98%.
Self-Funded Captive 90% chance of beating Fully Insured
$315,905
median five-year savings
+18% expected savings
5th−$145,17825th$183,662 75th$395,10695th$468,347
With additional cost containment: $299K to $424K more potential savings; win rate rises to ~99%.
Taft-Hartley 0% chance of beating Fully Insured
−$186,349
median five-year savings
-13% expected savings
5th−$252,05525th−$211,964 75th−$156,59295th−$111,772
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$715 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 · $351,521
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
WV 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 West Virginia market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO50%
Level-Funded86%
Self-Funded Captive99%
Taft-Hartley29%
Five-year median and percentile savings vs staying Fully Insured
PEO $1,841
Level-Funded $273,442
Self-Funded Captive $417,948
Taft-Hartley −$387,084
5th to 95th percentile 25th to 75th Median
PEO 50% chance of beating Fully Insured
$1,841
median five-year savings
+0% expected savings
5th−$1,185,32425th−$398,660 75th$525,78995th$1,742,109
Level-Funded 86% chance of beating Fully Insured
$273,442
median five-year savings
+11% expected savings
5th−$232,82725th$100,140 75th$622,16995th$1,694,442
With additional cost containment: $793K to $1.16M more potential savings; win rate rises to ~100%.
Self-Funded Captive 99% chance of beating Fully Insured
$417,948
median five-year savings
+15% expected savings
5th$79,36925th$237,148 75th$760,22895th$1,910,513
With additional cost containment: $765K to $1.01M more potential savings; win rate rises to ~100%.
Taft-Hartley 29% chance of beating Fully Insured
−$387,084
median five-year savings
-8% expected savings
5th−$960,13125th−$685,739 75th$115,94295th$1,381,823
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$715 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 · $417,948
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
WV 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 West Virginia market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO43%
Self-Funded93%
Self-Funded Captive100%
Taft-Hartley31%
Five-year median and percentile savings vs staying Fully Insured
PEO −$265,119
Self-Funded $971,593
Self-Funded Captive $1,019,110
Taft-Hartley −$729,781
5th to 95th percentile 25th to 75th Median
PEO 43% chance of beating Fully Insured
−$265,119
median five-year savings
-5% expected savings
5th−$3,040,87225th−$1,257,660 75th$874,74595th$3,846,605
Self-Funded 93% chance of beating Fully Insured
$971,593
median five-year savings
+15% expected savings
5th−$164,64625th$538,537 75th$1,622,43595th$3,755,319
With additional cost containment: $1.65M to $2.55M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,019,110
median five-year savings
+16% expected savings
5th$302,71925th$639,442 75th$1,742,19895th$3,984,312
With additional cost containment: $1.66M to $2.20M more potential savings; win rate rises to ~100%.
Taft-Hartley 31% chance of beating Fully Insured
−$729,781
median five-year savings
-7% expected savings
5th−$2,197,37725th−$1,468,320 75th$418,44595th$3,315,097
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$715 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 · $1,019,110
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
WV 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 West Virginia market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO37%
Self-Funded97%
Self-Funded Captive100%
Taft-Hartley34%
Five-year median and percentile savings vs staying Fully Insured
PEO −$958,630
Self-Funded $1,747,546
Self-Funded Captive $1,892,436
Taft-Hartley −$1,083,706
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$958,630
median five-year savings
-9% expected savings
5th−$5,908,90925th−$2,753,055 75th$1,144,16495th$5,884,040
Self-Funded 97% chance of beating Fully Insured
$1,747,546
median five-year savings
+16% expected savings
5th$272,89625th$1,109,598 75th$2,852,99995th$5,973,609
With additional cost containment: $2.75M to $4.16M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,892,436
median five-year savings
+17% expected savings
5th$597,44425th$1,212,888 75th$3,090,11095th$6,333,167
With additional cost containment: $2.77M to $3.65M more potential savings; win rate rises to ~100%.
Taft-Hartley 34% chance of beating Fully Insured
−$1,083,706
median five-year savings
-7% expected savings
5th−$3,703,29025th−$2,459,418 75th$781,28695th$5,368,913
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$715 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 · $1,892,436
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
WV 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 West Virginia market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO34%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley30%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,940,678
Self-Funded $3,388,761
Self-Funded Captive $3,516,092
Taft-Hartley −$2,258,969
5th to 95th percentile 25th to 75th Median
PEO 34% chance of beating Fully Insured
−$1,940,678
median five-year savings
-10% expected savings
5th−$11,764,31825th−$5,162,152 75th$1,389,17295th$9,202,271
Self-Funded 99% chance of beating Fully Insured
$3,388,761
median five-year savings
+16% expected savings
5th$779,70925th$2,092,799 75th$5,512,84895th$11,708,095
With additional cost containment: $5.54M to $7.26M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,516,092
median five-year savings
+16% expected savings
5th$1,132,68525th$2,264,930 75th$5,697,64395th$12,038,577
With additional cost containment: $5.54M to $6.74M more potential savings; win rate rises to ~100%.
Taft-Hartley 30% chance of beating Fully Insured
−$2,258,969
median five-year savings
-7% expected savings
5th−$6,645,58525th−$4,549,930 75th$852,65695th$7,977,719
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$715 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 · $3,516,092
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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