PEO 92% chance of beating Fully Insured
$104,463
median five-year savings
+18% expected savings
5th−$27,12225th$62,355 75th$132,32395th$157,547
Alabama Health-Plan Funding Guide
Alabama 2027 funding analysis by employer size
Plan year 2027 Rates used: PY2027 requested (filed) rates, not yet final
Compare your options based on what matters most: Year 1 cost, five-year savings, and the likelihood of outperforming Fully Insured.
10 Employees
10-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Alabama market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO92%
Level-Funded78%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $104,463
Level-Funded $87,740
Taft-Hartley −$215,235
5th to 95th percentile 25th to 75th Median
Level-Funded 78% chance of beating Fully Insured
$87,740
median five-year savings
+9% expected savings
5th−$190,13925th$13,339 75th$118,20895th$137,074
With additional cost containment: $113K to $201K more potential savings; win rate rises to ~94%.
Taft-Hartley 0% chance of beating Fully Insured
−$215,235
median five-year savings
-43% expected savings
5th−$245,07025th−$226,883 75th−$202,32695th−$185,602
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$740 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 requested (filed) rates, not yet final$0 saved
Day-one and five-year context
Lowest modeled day-one costPEO · ~28% cheaper
Highest modeled five-year medianPEO · $104,463
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.
2027 renewal assumption: 2027 small-group filed rate 7.31% (proposed, not yet final). Fully-insured renewal expectation used here: 6.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 7.3%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Alabama market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO92%
Level-Funded89%
Self-Funded Captive92%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $313,389
Level-Funded $399,297
Self-Funded Captive $367,796
Taft-Hartley −$645,704
5th to 95th percentile 25th to 75th Median
PEO 92% chance of beating Fully Insured
$313,389
median five-year savings
+18% expected savings
5th−$81,36625th$187,066 75th$396,96895th$472,641
Level-Funded 89% chance of beating Fully Insured
$399,297
median five-year savings
+21% expected savings
5th−$222,99825th$241,665 75th$468,34695th$524,192
With additional cost containment: $285K to $451K more potential savings; win rate rises to ~99%.
Self-Funded Captive 92% chance of beating Fully Insured
$367,796
median five-year savings
+21% expected savings
5th−$92,87425th$238,010 75th$444,51695th$515,033
With additional cost containment: $291K to $417K more potential savings; win rate rises to ~99%.
Taft-Hartley 0% chance of beating Fully Insured
−$645,704
median five-year savings
-43% expected savings
5th−$735,21125th−$680,648 75th−$606,97895th−$556,807
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$740 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 requested (filed) rates, not yet final$0 saved
Day-one and five-year context
Lowest modeled day-one costPEO · ~28% cheaper
Highest modeled five-year medianLevel-Funded · $399,297
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.
2027 renewal assumption: 2027 small-group filed rate 7.31% (proposed, not yet final). Fully-insured renewal expectation used here: 6.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 7.3%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Alabama market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO40%
Level-Funded92%
Self-Funded Captive100%
Taft-Hartley4%
Five-year median savings versus staying Fully Insured
PEO −$159,965
Level-Funded $319,051
Self-Funded Captive $462,543
Taft-Hartley −$1,568,483
5th to 95th percentile 25th to 75th Median
PEO 40% chance of beating Fully Insured
−$159,965
median five-year savings
-6% expected savings
5th−$1,351,34325th−$551,718 75th$280,08995th$1,239,634
Level-Funded 92% chance of beating Fully Insured
$319,051
median five-year savings
+11% expected savings
5th−$108,22525th$193,350 75th$540,80995th$1,249,306
With additional cost containment: $774K to $1.14M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$462,543
median five-year savings
+16% expected savings
5th$216,20025th$334,799 75th$686,40095th$1,401,864
With additional cost containment: $746K to $991K more potential savings; win rate rises to ~100%.
Taft-Hartley 4% chance of beating Fully Insured
−$1,568,483
median five-year savings
-42% expected savings
5th−$2,052,78225th−$1,822,106 75th−$1,166,41695th−$236,842
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$740 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 requested (filed) rates, not yet final$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded Captive · ~11% cheaper
Highest modeled five-year medianSelf-Funded Captive · $462,543
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.
2027 renewal assumption: 2027 small-group filed rate 7.31% (proposed, not yet final). Fully-insured renewal expectation used here: 6.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 7.3%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Alabama market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO33%
Self-Funded96%
Self-Funded Captive100%
Taft-Hartley5%
Five-year median savings versus staying Fully Insured
PEO −$644,126
Self-Funded $1,043,856
Self-Funded Captive $1,101,310
Taft-Hartley −$3,289,086
5th to 95th percentile 25th to 75th Median
PEO 33% chance of beating Fully Insured
−$644,126
median five-year savings
-10% expected savings
5th−$3,447,63925th−$1,614,200 75th$370,97695th$2,762,240
Self-Funded 96% chance of beating Fully Insured
$1,043,856
median five-year savings
+15% expected savings
5th$136,41425th$729,638 75th$1,471,18595th$2,765,028
With additional cost containment: $1.62M to $2.48M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,101,310
median five-year savings
+17% expected savings
5th$585,17625th$824,432 75th$1,579,83095th$3,036,495
With additional cost containment: $1.62M to $2.15M more potential savings; win rate rises to ~100%.
Taft-Hartley 5% chance of beating Fully Insured
−$3,289,086
median five-year savings
-41% expected savings
5th−$4,581,59125th−$3,925,845 75th−$2,317,96095th−$83,019
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$740 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 requested (filed) rates, not yet final$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $1,101,310
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.
2027 renewal assumption: 2027 small-group filed rate 7.31% (proposed, not yet final). Fully-insured renewal expectation used here: 6.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 7.3%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Alabama market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO27%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley6%
Five-year median savings versus staying Fully Insured
PEO −$1,655,943
Self-Funded $1,839,384
Self-Funded Captive $1,963,048
Taft-Hartley −$5,425,047
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$1,655,943
median five-year savings
-15% expected savings
5th−$6,632,97925th−$3,389,382 75th$199,97095th$4,240,028
Self-Funded 99% chance of beating Fully Insured
$1,839,384
median five-year savings
+16% expected savings
5th$781,41325th$1,388,892 75th$2,573,89195th$4,479,253
With additional cost containment: $2.69M to $4.05M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,963,048
median five-year savings
+17% expected savings
5th$1,033,94325th$1,466,991 75th$2,818,46495th$5,121,309
With additional cost containment: $2.70M to $3.58M more potential savings; win rate rises to ~100%.
Taft-Hartley 6% chance of beating Fully Insured
−$5,425,047
median five-year savings
-41% expected savings
5th−$7,776,72625th−$6,546,623 75th−$3,686,69095th$221,048
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$740 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 requested (filed) rates, not yet final$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $1,963,048
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.
2027 renewal assumption: 2027 small-group filed rate 7.31% (proposed, not yet final). Fully-insured renewal expectation used here: 6.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 7.3%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Alabama market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO24%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley2%
Five-year median savings versus staying Fully Insured
PEO −$3,243,050
Self-Funded $3,556,800
Self-Funded Captive $3,734,401
Taft-Hartley −$10,727,276
5th to 95th percentile 25th to 75th Median
PEO 24% chance of beating Fully Insured
−$3,243,050
median five-year savings
-16% expected savings
5th−$13,217,70525th−$6,403,331 75th−$216,56895th$5,598,216
Self-Funded 100% chance of beating Fully Insured
$3,556,800
median five-year savings
+16% expected savings
5th$1,724,24325th$2,678,284 75th$5,007,10995th$8,766,362
With additional cost containment: $5.43M to $7.06M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,734,401
median five-year savings
+16% expected savings
5th$1,993,89225th$2,808,913 75th$5,212,70395th$9,232,229
With additional cost containment: $5.42M to $6.57M more potential savings; win rate rises to ~100%.
Taft-Hartley 2% chance of beating Fully Insured
−$10,727,276
median five-year savings
-41% expected savings
5th−$14,827,09325th−$12,760,085 75th−$8,123,55195th−$2,805,191
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$740 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 requested (filed) rates, not yet final$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $3,734,401
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.
2027 renewal assumption: 2027 small-group filed rate 7.31% (proposed, not yet final). Fully-insured renewal expectation used here: 6.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 7.3%.
2026 analysis vs 2027
For 70-employee groups in Alabama, the modeled median five-year savings for Self-Funded Captive moved from $439,618 to $462,543, and its modeled chance of beating Fully Insured stayed at 100%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $89,996 → $104,46391% → 92% odds | $74,260 → $87,74076% → 78% odds | Not modeled | Not modeled |
| 30 | $269,989 → $313,38991% → 92% odds | $349,790 → $399,29788% → 89% odds | Not modeled | $323,619 → $367,79691% → 92% odds |
| 70 | −$149,068 → −$159,96540% → 40% odds | $297,317 → $319,05192% → 92% odds | Not modeled | $439,618 → $462,543100% → 100% odds |
| 150 | −$600,248 → −$644,12633% → 33% odds | Not modeled | $972,748 → $1,043,85696% → 96% odds | $1,044,680 → $1,101,310100% → 100% odds |
| 250 | −$1,543,140 → −$1,655,94327% → 27% odds | Not modeled | $1,714,085 → $1,839,38499% → 99% odds | $1,859,978 → $1,963,048100% → 100% odds |
| 500 | −$3,022,132 → −$3,243,05024% → 24% odds | Not modeled | $3,314,509 → $3,556,800100% → 100% odds | $3,541,321 → $3,734,401100% → 100% odds |
Fully Insured baseline used: $690 → $740 per employee per month (PY2026 rates → PY2027 requested (filed) rates, not yet final). Taft-Hartley is priced as a fixed nationwide rate rather than a state-rate model, so it is not compared here.
View the archived 2026 Alabama analysis (last year's model results, not current advice).
Illustrative model results, not a quote, a forecast or insurance, tax or legal advice. Actual premiums, claims, eligibility and underwriting vary by employer, and PY2027 requested (filed) rates can change before they are final.
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