PEO 94% chance of beating Fully Insured
$231,906
median five-year savings
+20% expected savings
5th−$24,74825th$148,750 75th$286,21595th$335,891
Alaska Health-Plan Funding Guide
Alaska 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 Alaska market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO94%
Level-Funded75%
Taft-Hartley100%
Five-year median savings versus staying Fully Insured
PEO $231,906
Level-Funded $152,858
Taft-Hartley $290,691
5th to 95th percentile 25th to 75th Median
Level-Funded 75% chance of beating Fully Insured
$152,858
median five-year savings
+7% expected savings
5th−$426,27125th−$1,289 75th$217,31995th$256,986
With additional cost containment: $230K to $418K more potential savings; win rate rises to ~93%.
Taft-Hartley 100% chance of beating Fully Insured
$290,691
median five-year savings
+29% expected savings
5th$243,51725th$272,379 75th$310,87695th$341,971
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,444 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 costTaft-Hartley · ~29% cheaper
Highest modeled five-year medianTaft-Hartley · $290,691
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 17.42% (proposed, not yet final). Fully-insured renewal expectation used here: 7.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 10.9%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Alaska market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO94%
Level-Funded88%
Self-Funded Captive89%
Taft-Hartley100%
Five-year median savings versus staying Fully Insured
PEO $695,719
Level-Funded $740,298
Self-Funded Captive $613,240
Taft-Hartley $872,072
5th to 95th percentile 25th to 75th Median
PEO 94% chance of beating Fully Insured
$695,719
median five-year savings
+20% expected savings
5th−$74,24525th$446,249 75th$858,64695th$1,007,672
Level-Funded 88% chance of beating Fully Insured
$740,298
median five-year savings
+19% expected savings
5th−$553,01225th$410,413 75th$884,17195th$1,003,118
With additional cost containment: $588K to $934K more potential savings; win rate rises to ~98%.
Self-Funded Captive 89% chance of beating Fully Insured
$613,240
median five-year savings
+17% expected savings
5th−$318,62825th$346,474 75th$773,56995th$921,601
With additional cost containment: $618K to $870K more potential savings; win rate rises to ~99%.
Taft-Hartley 100% chance of beating Fully Insured
$872,072
median five-year savings
+29% expected savings
5th$730,55125th$817,138 75th$932,62795th$1,025,912
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,444 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 costTaft-Hartley · ~29% cheaper
Highest modeled five-year medianTaft-Hartley · $872,072
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 17.42% (proposed, not yet final). Fully-insured renewal expectation used here: 7.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 10.9%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Alaska market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO50%
Level-Funded86%
Self-Funded Captive96%
Taft-Hartley100%
Five-year median savings versus staying Fully Insured
PEO $3,719
Level-Funded $552,549
Self-Funded Captive $715,944
Taft-Hartley $2,048,971
5th to 95th percentile 25th to 75th Median
PEO 50% chance of beating Fully Insured
$3,719
median five-year savings
+0% expected savings
5th−$2,395,20325th−$805,579 75th$1,062,47195th$3,520,307
Level-Funded 86% chance of beating Fully Insured
$552,549
median five-year savings
+11% expected savings
5th−$470,47825th$202,355 75th$1,257,22795th$3,423,987
With additional cost containment: $1.60M to $2.35M more potential savings; win rate rises to ~100%.
Self-Funded Captive 96% chance of beating Fully Insured
$715,944
median five-year savings
+13% expected savings
5th$31,77125th$350,599 75th$1,407,59595th$3,731,994
With additional cost containment: $1.58M to $2.08M more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$2,048,971
median five-year savings
+31% expected savings
5th$920,53025th$1,451,265 75th$3,073,93295th$5,627,911
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,444 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 costTaft-Hartley · ~29% cheaper
Highest modeled five-year medianTaft-Hartley · $2,048,971
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 17.42% (proposed, not yet final). Fully-insured renewal expectation used here: 7.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 10.9%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Alaska market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO43%
Self-Funded93%
Self-Funded Captive100%
Taft-Hartley100%
Five-year median savings versus staying Fully Insured
PEO −$535,730
Self-Funded $1,963,313
Self-Funded Captive $1,783,738
Taft-Hartley $4,619,650
5th to 95th percentile 25th to 75th Median
PEO 43% chance of beating Fully Insured
−$535,730
median five-year savings
-5% expected savings
5th−$6,144,73925th−$2,541,375 75th$1,767,61195th$7,772,897
Self-Funded 93% chance of beating Fully Insured
$1,963,313
median five-year savings
+15% expected savings
5th−$332,70425th$1,088,230 75th$3,278,48095th$7,588,434
With additional cost containment: $3.34M to $5.14M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,783,738
median five-year savings
+15% expected savings
5th$336,11725th$1,016,536 75th$3,244,89495th$7,775,570
With additional cost containment: $3.42M to $4.52M more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$4,619,650
median five-year savings
+31% expected savings
5th$1,663,86925th$3,108,313 75th$6,913,23595th$12,748,987
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,444 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 costTaft-Hartley · ~29% cheaper
Highest modeled five-year medianTaft-Hartley · $4,619,650
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 17.42% (proposed, not yet final). Fully-insured renewal expectation used here: 7.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 10.9%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Alaska market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO37%
Self-Funded97%
Self-Funded Captive100%
Taft-Hartley100%
Five-year median savings versus staying Fully Insured
PEO −$1,937,119
Self-Funded $3,531,295
Self-Funded Captive $3,364,754
Taft-Hartley $7,890,526
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$1,937,119
median five-year savings
-9% expected savings
5th−$11,940,22925th−$5,563,144 75th$2,312,03195th$11,889,975
Self-Funded 97% chance of beating Fully Insured
$3,531,295
median five-year savings
+16% expected savings
5th$551,44525th$2,242,182 75th$5,765,10295th$12,070,968
With additional cost containment: $5.55M to $8.41M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,364,754
median five-year savings
+15% expected savings
5th$747,94325th$1,991,580 75th$5,784,91495th$12,338,212
With additional cost containment: $5.71M to $7.50M more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$7,890,526
median five-year savings
+32% expected savings
5th$2,620,42125th$5,220,215 75th$11,733,73095th$20,912,353
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,444 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 costTaft-Hartley · ~29% cheaper
Highest modeled five-year medianTaft-Hartley · $7,890,526
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 17.42% (proposed, not yet final). Fully-insured renewal expectation used here: 7.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 10.9%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Alaska market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO34%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley100%
Five-year median savings versus staying Fully Insured
PEO −$3,921,560
Self-Funded $6,847,725
Self-Funded Captive $6,186,379
Taft-Hartley $15,811,413
5th to 95th percentile 25th to 75th Median
PEO 34% chance of beating Fully Insured
−$3,921,560
median five-year savings
-10% expected savings
5th−$23,772,34925th−$10,431,245 75th$2,807,12395th$18,595,179
Self-Funded 99% chance of beating Fully Insured
$6,847,725
median five-year savings
+16% expected savings
5th$1,575,57125th$4,228,952 75th$11,139,90295th$23,658,738
With additional cost containment: $11.19M to $14.67M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$6,186,379
median five-year savings
+14% expected savings
5th$1,370,18925th$3,658,135 75th$10,594,67595th$23,407,904
With additional cost containment: $11.43M to $13.86M more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$15,811,413
median five-year savings
+31% expected savings
5th$6,605,03125th$11,121,404 75th$21,929,70495th$36,070,726
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,444 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 costTaft-Hartley · ~29% cheaper
Highest modeled five-year medianTaft-Hartley · $15,811,413
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 17.42% (proposed, not yet final). Fully-insured renewal expectation used here: 7.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 10.9%.
2026 analysis vs 2027
For 70-employee groups in Alaska, the modeled median five-year savings for Self-Funded Captive moved from $628,422 to $715,944, and its modeled chance of beating Fully Insured stayed at 96%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $144,136 → $231,90689% → 94% odds | $76,392 → $152,85868% → 75% odds | Not modeled | Not modeled |
| 30 | $432,408 → $695,71989% → 94% odds | $471,239 → $740,29884% → 88% odds | Not modeled | $370,456 → $613,24084% → 89% odds |
| 70 | $3,168 → $3,71950% → 50% odds | $470,575 → $552,54986% → 86% odds | Not modeled | $628,422 → $715,94496% → 96% odds |
| 150 | −$456,251 → −$535,73043% → 43% odds | Not modeled | $1,672,043 → $1,963,31393% → 93% odds | $1,559,165 → $1,783,738100% → 100% odds |
| 250 | −$1,649,735 → −$1,937,11937% → 37% odds | Not modeled | $3,007,405 → $3,531,29597% → 97% odds | $2,932,332 → $3,364,754100% → 100% odds |
| 500 | −$3,339,772 → −$3,921,56034% → 34% odds | Not modeled | $5,831,821 → $6,847,72599% → 99% odds | $5,402,112 → $6,186,379100% → 100% odds |
Fully Insured baseline used: $1,230 → $1,444 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 Alaska 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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Use your own data or speak with a Benefitra advisor.