PEO 96% chance of beating Fully Insured
$239,650
median five-year savings
+24% expected savings
5th$28,34625th$171,031 75th$284,55095th$325,835
Connecticut Health-Plan Funding Guide
Connecticut 2027 funding analysis by employer size
Plan year 2027 Rates used: PY2027 final approved rates
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 Connecticut market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO96%
Level-Funded80%
Taft-Hartley100%
Five-year median savings versus staying Fully Insured
PEO $239,650
Level-Funded $175,292
Taft-Hartley $159,902
5th to 95th percentile 25th to 75th Median
Level-Funded 80% chance of beating Fully Insured
$175,292
median five-year savings
+12% expected savings
5th−$300,40525th$48,496 75th$227,99895th$260,995
With additional cost containment: $189K to $343K more potential savings; win rate rises to ~96%.
Taft-Hartley 100% chance of beating Fully Insured
$159,902
median five-year savings
+18% expected savings
5th$118,02925th$143,381 75th$177,76995th$204,437
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,186 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final approved rates$0 saved
Day-one and five-year context
Lowest modeled day-one costPEO · ~28% cheaper
Highest modeled five-year medianPEO · $239,650
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 10 enrolled employees. Actual quotes and underwriting can materially change results.
2027 renewal assumption: 2027 small-group filed rate 15.1% (final, approved by the Connecticut Insurance Department). Fully-insured renewal expectation used here: 10.5% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 12.2%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Connecticut market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO96%
Level-Funded90%
Self-Funded Captive93%
Taft-Hartley100%
Five-year median savings versus staying Fully Insured
PEO $718,949
Level-Funded $754,984
Self-Funded Captive $661,661
Taft-Hartley $479,707
5th to 95th percentile 25th to 75th Median
PEO 96% chance of beating Fully Insured
$718,949
median five-year savings
+24% expected savings
5th$85,03925th$513,092 75th$853,65195th$977,505
Level-Funded 90% chance of beating Fully Insured
$754,984
median five-year savings
+23% expected savings
5th−$304,85325th$485,334 75th$874,27695th$970,893
With additional cost containment: $483K to $767K more potential savings; win rate rises to ~99%.
Self-Funded Captive 93% chance of beating Fully Insured
$661,661
median five-year savings
+22% expected savings
5th−$105,06725th$444,604 75th$792,38595th$914,955
With additional cost containment: $505K to $712K more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$479,707
median five-year savings
+18% expected savings
5th$354,08725th$430,144 75th$533,30695th$613,311
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,186 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final approved rates$0 saved
Day-one and five-year context
Lowest modeled day-one costPEO · ~28% cheaper
Highest modeled five-year medianLevel-Funded · $754,984
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 15.1% (final, approved by the Connecticut Insurance Department). Fully-insured renewal expectation used here: 10.5% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 12.2%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Connecticut market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO50%
Level-Funded86%
Self-Funded Captive97%
Taft-Hartley90%
Five-year median savings versus staying Fully Insured
PEO $3,055
Level-Funded $453,799
Self-Funded Captive $610,511
Taft-Hartley $789,128
5th to 95th percentile 25th to 75th Median
PEO 50% chance of beating Fully Insured
$3,055
median five-year savings
+0% expected savings
5th−$1,967,14125th−$661,609 75th$872,59095th$2,891,171
Level-Funded 86% chance of beating Fully Insured
$453,799
median five-year savings
+11% expected savings
5th−$386,39625th$166,191 75th$1,032,54095th$2,812,065
With additional cost containment: $1.32M to $1.93M more potential savings; win rate rises to ~100%.
Self-Funded Captive 97% chance of beating Fully Insured
$610,511
median five-year savings
+14% expected savings
5th$48,61125th$310,460 75th$1,178,55395th$3,087,544
With additional cost containment: $1.29M to $1.70M more potential savings; win rate rises to ~100%.
Taft-Hartley 90% chance of beating Fully Insured
$789,128
median five-year savings
+16% expected savings
5th−$135,57825th$292,652 75th$1,618,12495th$3,708,553
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,186 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final approved rates$0 saved
Day-one and five-year context
Lowest modeled day-one costTaft-Hartley · ~13% cheaper
Highest modeled five-year medianTaft-Hartley · $789,128
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 15.1% (final, approved by the Connecticut Insurance Department). Fully-insured renewal expectation used here: 10.5% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 12.2%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Connecticut 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-Hartley88%
Five-year median savings versus staying Fully Insured
PEO −$439,986
Self-Funded $1,612,437
Self-Funded Captive $1,513,208
Taft-Hartley $1,876,224
5th to 95th percentile 25th to 75th Median
PEO 43% chance of beating Fully Insured
−$439,986
median five-year savings
-5% expected savings
5th−$5,046,57425th−$2,087,190 75th$1,451,71095th$6,383,753
Self-Funded 93% chance of beating Fully Insured
$1,612,437
median five-year savings
+15% expected savings
5th−$273,24425th$893,746 75th$2,692,56295th$6,232,258
With additional cost containment: $2.75M to $4.22M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,513,208
median five-year savings
+15% expected savings
5th$324,30025th$883,118 75th$2,713,23295th$6,434,202
With additional cost containment: $2.80M to $3.70M more potential savings; win rate rises to ~100%.
Taft-Hartley 88% chance of beating Fully Insured
$1,876,224
median five-year savings
+16% expected savings
5th−$557,23925th$634,596 75th$3,743,44795th$8,553,123
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,186 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final approved rates$0 saved
Day-one and five-year context
Lowest modeled day-one costTaft-Hartley · ~13% cheaper
Highest modeled five-year medianTaft-Hartley · $1,876,224
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 15.1% (final, approved by the Connecticut Insurance Department). Fully-insured renewal expectation used here: 10.5% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 12.2%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Connecticut 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-Hartley87%
Five-year median savings versus staying Fully Insured
PEO −$1,590,924
Self-Funded $2,900,195
Self-Funded Captive $2,843,840
Taft-Hartley $3,281,207
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$1,590,924
median five-year savings
-9% expected savings
5th−$9,806,31625th−$4,568,919 75th$1,898,83495th$9,765,043
Self-Funded 97% chance of beating Fully Insured
$2,900,195
median five-year savings
+16% expected savings
5th$452,89225th$1,841,467 75th$4,734,78595th$9,913,690
With additional cost containment: $4.56M to $6.91M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,843,840
median five-year savings
+16% expected savings
5th$694,69625th$1,716,074 75th$4,831,47895th$10,213,595
With additional cost containment: $4.67M to $6.14M more potential savings; win rate rises to ~100%.
Taft-Hartley 87% chance of beating Fully Insured
$3,281,207
median five-year savings
+17% expected savings
5th−$1,082,22425th$1,094,820 75th$6,438,70295th$13,927,656
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,186 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final approved rates$0 saved
Day-one and five-year context
Lowest modeled day-one costTaft-Hartley · ~13% cheaper
Highest modeled five-year medianTaft-Hartley · $3,281,207
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 15.1% (final, approved by the Connecticut Insurance Department). Fully-insured renewal expectation used here: 10.5% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 12.2%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Connecticut 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-Hartley91%
Five-year median savings versus staying Fully Insured
PEO −$3,220,714
Self-Funded $5,623,925
Self-Funded Captive $5,241,617
Taft-Hartley $6,536,876
5th to 95th percentile 25th to 75th Median
PEO 34% chance of beating Fully Insured
−$3,220,714
median five-year savings
-10% expected savings
5th−$19,523,84425th−$8,567,012 75th$2,305,44495th$15,271,918
Self-Funded 99% chance of beating Fully Insured
$5,623,925
median five-year savings
+16% expected savings
5th$1,293,99125th$3,473,170 75th$9,149,02095th$19,430,537
With additional cost containment: $9.19M to $12.05M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$5,241,617
median five-year savings
+15% expected savings
5th$1,286,15925th$3,165,212 75th$8,862,07995th$19,385,375
With additional cost containment: $9.34M to $11.34M more potential savings; win rate rises to ~100%.
Taft-Hartley 91% chance of beating Fully Insured
$6,536,876
median five-year savings
+16% expected savings
5th−$1,026,01225th$2,734,292 75th$11,653,54495th$23,192,265
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,186 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final approved rates$0 saved
Day-one and five-year context
Lowest modeled day-one costTaft-Hartley · ~13% cheaper
Highest modeled five-year medianTaft-Hartley · $6,536,876
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 15.1% (final, approved by the Connecticut Insurance Department). Fully-insured renewal expectation used here: 10.5% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 12.2%.
2026 analysis vs 2027
For 70-employee groups in Connecticut, the modeled median five-year savings for Self-Funded Captive moved from $546,948 to $610,511, and its modeled chance of beating Fully Insured stayed at 97%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $175,711 → $239,65094% → 96% odds | $119,256 → $175,29276% → 80% odds | Not modeled | Not modeled |
| 30 | $527,134 → $718,94994% → 96% odds | $558,511 → $754,98488% → 90% odds | Not modeled | $483,560 → $661,66191% → 93% odds |
| 70 | $2,654 → $3,05550% → 50% odds | $394,265 → $453,79986% → 86% odds | Not modeled | $546,948 → $610,51197% → 97% odds |
| 150 | −$382,264 → −$439,98643% → 43% odds | Not modeled | $1,400,901 → $1,612,43793% → 93% odds | $1,350,111 → $1,513,208100% → 100% odds |
| 250 | −$1,382,210 → −$1,590,92437% → 37% odds | Not modeled | $2,519,718 → $2,900,19597% → 97% odds | $2,529,792 → $2,843,840100% → 100% odds |
| 500 | −$2,798,187 → −$3,220,71434% → 34% odds | Not modeled | $4,886,121 → $5,623,92599% → 99% odds | $4,672,039 → $5,241,617100% → 100% odds |
Fully Insured baseline used: $1,030 → $1,186 per employee per month (PY2026 rates → PY2027 final approved rates). 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 Connecticut 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 the rates used here may differ from the rates an employer is quoted.
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