PEO 93% chance of beating Fully Insured
$115,799
median five-year savings
+18% expected savings
5th−$24,56325th$70,711 75th$145,50295th$172,363
Wisconsin Health-Plan Funding Guide
Wisconsin 2026 funding analysis (archived)
Plan year 2026 · archived results View the Wisconsin 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
WI 10-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Wisconsin market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded76%
Taft-Hartley17%
Five-year median and percentile savings vs staying Fully Insured
PEO $115,799
Level-Funded $89,535
Taft-Hartley −$15,860
5th to 95th percentile 25th to 75th Median
Level-Funded 76% chance of beating Fully Insured
$89,535
median five-year savings
+8% expected savings
5th−$213,40125th$8,427 75th$123,06995th$143,660
With additional cost containment: $121K to $219K more potential savings; win rate rises to ~94%.
Taft-Hartley 17% chance of beating Fully Insured
−$15,860
median five-year savings
-3% expected savings
5th−$39,74225th−$25,174 75th−$5,19195th$11,246
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$789 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 · $115,799
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
WI 30-employee health plan funding analysis · 2026
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2026 Wisconsin market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO93%
Level-Funded88%
Self-Funded Captive91%
Taft-Hartley17%
Five-year median and percentile savings vs staying Fully Insured
PEO $347,398
Level-Funded $416,847
Self-Funded Captive $376,751
Taft-Hartley −$47,580
5th to 95th percentile 25th to 75th Median
PEO 93% chance of beating Fully Insured
$347,398
median five-year savings
+18% expected savings
5th−$73,69025th$212,133 75th$436,50795th$517,088
Level-Funded 88% chance of beating Fully Insured
$416,847
median five-year savings
+20% expected savings
5th−$261,29025th$244,682 75th$491,95395th$553,588
With additional cost containment: $309K to $490K more potential savings; win rate rises to ~99%.
Self-Funded Captive 91% chance of beating Fully Insured
$376,751
median five-year savings
+19% expected savings
5th−$121,19925th$236,375 75th$460,97595th$538,149
With additional cost containment: $317K to $454K more potential savings; win rate rises to ~99%.
Taft-Hartley 17% chance of beating Fully Insured
−$47,580
median five-year savings
-3% expected savings
5th−$119,22525th−$75,521 75th−$15,57295th$33,739
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$789 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 · $416,847
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
WI 70-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Wisconsin market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO44%
Level-Funded91%
Self-Funded Captive100%
Taft-Hartley40%
Five-year median and percentile savings vs staying Fully Insured
PEO −$116,821
Level-Funded $329,893
Self-Funded Captive $473,964
Taft-Hartley −$138,825
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$116,821
median five-year savings
-4% expected savings
5th−$1,390,33925th−$541,135 75th$383,63895th$1,534,502
Level-Funded 91% chance of beating Fully Insured
$329,893
median five-year savings
+11% expected savings
5th−$157,09325th$173,433 75th$608,56495th$1,503,996
With additional cost containment: $843K to $1.24M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$473,964
median five-year savings
+15% expected savings
5th$173,04425th$315,583 75th$761,01895th$1,672,343
With additional cost containment: $815K to $1.08M more potential savings; win rate rises to ~100%.
Taft-Hartley 40% chance of beating Fully Insured
−$138,825
median five-year savings
-1% expected savings
5th−$694,57625th−$432,453 75th$334,99095th$1,457,321
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$789 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 · $473,964
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
WI 150-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Wisconsin market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO37%
Self-Funded96%
Self-Funded Captive100%
Taft-Hartley43%
Five-year median and percentile savings vs staying Fully Insured
PEO −$550,671
Self-Funded $1,099,174
Self-Funded Captive $1,140,438
Taft-Hartley −$213,348
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$550,671
median five-year savings
-8% expected savings
5th−$3,561,65625th−$1,614,024 75th$590,39295th$3,343,236
Self-Funded 96% chance of beating Fully Insured
$1,099,174
median five-year savings
+15% expected savings
5th$41,24225th$718,888 75th$1,636,07795th$3,329,246
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
$1,140,438
median five-year savings
+16% expected savings
5th$513,22125th$802,150 75th$1,735,69995th$3,586,991
With additional cost containment: $1.76M to $2.34M more potential savings; win rate rises to ~100%.
Taft-Hartley 43% chance of beating Fully Insured
−$213,348
median five-year savings
-1% expected savings
5th−$1,661,27425th−$935,612 75th$895,23895th$3,480,695
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$789 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 · $1,140,438
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
WI 250-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Wisconsin market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO31%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley45%
Five-year median and percentile savings vs staying Fully Insured
PEO −$1,528,911
Self-Funded $1,948,260
Self-Funded Captive $2,053,696
Taft-Hartley −$284,168
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,528,911
median five-year savings
-13% expected savings
5th−$6,919,59425th−$3,391,716 75th$574,47995th$5,119,251
Self-Funded 99% chance of beating Fully Insured
$1,948,260
median five-year savings
+16% expected savings
5th$658,30425th$1,400,113 75th$2,881,18195th$5,366,041
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
$2,053,696
median five-year savings
+17% expected savings
5th$925,24325th$1,461,627 75th$3,091,27895th$5,852,598
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
−$284,168
median five-year savings
+0% expected savings
5th−$2,820,94125th−$1,569,821 75th$1,637,21395th$6,240,149
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$789 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 · $2,053,696
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
WI 500-employee health plan funding analysis · 2026
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2026 Wisconsin market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over five years
PEO27%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley44%
Five-year median and percentile savings vs staying Fully Insured
PEO −$3,027,441
Self-Funded $3,764,200
Self-Funded Captive $3,882,553
Taft-Hartley −$538,272
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$3,027,441
median five-year savings
-14% expected savings
5th−$13,740,39225th−$6,428,856 75th$446,01795th$7,336,126
Self-Funded 100% chance of beating Fully Insured
$3,764,200
median five-year savings
+16% expected savings
5th$1,537,48825th$2,670,502 75th$5,559,80795th$10,474,200
With additional cost containment: $5.90M to $7.69M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,882,553
median five-year savings
+16% expected savings
5th$1,776,88025th$2,775,193 75th$5,726,20095th$10,725,721
With additional cost containment: $5.90M to $7.17M more potential savings; win rate rises to ~100%.
Taft-Hartley 44% chance of beating Fully Insured
−$538,272
median five-year savings
-1% expected savings
5th−$4,896,46925th−$2,769,805 75th$2,457,48395th$8,978,966
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$789 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 · $3,882,553
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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