PEO 95% chance of beating Fully Insured
$193,084
median five-year savings
+22% expected savings
5th$1,20525th$130,692 75th$233,60395th$270,800
Delaware Health-Plan Funding Guide
Delaware 2027 funding analysis by employer size
Plan year 2027 Rates used: PY2027 final 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 Delaware market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO95%
Level-Funded80%
Taft-Hartley99%
Five-year median savings versus staying Fully Insured
PEO $193,084
Level-Funded $157,088
Taft-Hartley $55,638
5th to 95th percentile 25th to 75th Median
Level-Funded 80% chance of beating Fully Insured
$157,088
median five-year savings
+12% expected savings
5th−$256,94325th$46,657 75th$202,77795th$231,555
With additional cost containment: $165K to $299K more potential savings; win rate rises to ~96%.
Taft-Hartley 99% chance of beating Fully Insured
$55,638
median five-year savings
+7% expected savings
5th$16,97325th$40,676 75th$71,67895th$95,514
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,079 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final rates$0 saved
Day-one and five-year context
Lowest modeled day-one costPEO · ~28% cheaper
Highest modeled five-year medianPEO · $193,084
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 18% (final, per the Delaware Department of Insurance). Fully-insured renewal expectation used here: 8.9% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 15%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Delaware market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO95%
Level-Funded91%
Self-Funded Captive93%
Taft-Hartley99%
Five-year median savings versus staying Fully Insured
PEO $579,252
Level-Funded $673,340
Self-Funded Captive $600,015
Taft-Hartley $166,914
5th to 95th percentile 25th to 75th Median
PEO 95% chance of beating Fully Insured
$579,252
median five-year savings
+22% expected savings
5th$3,61425th$392,075 75th$700,80895th$812,401
Level-Funded 91% chance of beating Fully Insured
$673,340
median five-year savings
+24% expected savings
5th−$251,11925th$440,038 75th$777,03495th$859,704
With additional cost containment: $423K to $670K more potential savings; win rate rises to ~99%.
Self-Funded Captive 93% chance of beating Fully Insured
$600,015
median five-year savings
+22% expected savings
5th−$81,96425th$408,262 75th$713,85495th$819,657
With additional cost containment: $438K to $626K more potential savings; win rate rises to ~99%.
Taft-Hartley 99% chance of beating Fully Insured
$166,914
median five-year savings
+7% expected savings
5th$50,91825th$122,028 75th$215,03395th$286,543
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,079 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final rates$0 saved
Day-one and five-year context
Lowest modeled day-one costPEO · ~28% cheaper
Highest modeled five-year medianLevel-Funded · $673,340
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 18% (final, per the Delaware Department of Insurance). Fully-insured renewal expectation used here: 8.9% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 15%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Delaware market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO44%
Level-Funded91%
Self-Funded Captive100%
Taft-Hartley56%
Five-year median savings versus staying Fully Insured
PEO −$159,614
Level-Funded $450,739
Self-Funded Captive $601,429
Taft-Hartley $95,211
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$159,614
median five-year savings
-4% expected savings
5th−$1,899,64225th−$739,362 75th$524,17095th$2,096,614
Level-Funded 91% chance of beating Fully Insured
$450,739
median five-year savings
+11% expected savings
5th−$214,63825th$236,964 75th$831,49195th$2,054,933
With additional cost containment: $1.15M to $1.69M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$601,429
median five-year savings
+14% expected savings
5th$190,27825th$385,030 75th$993,63595th$2,238,793
With additional cost containment: $1.13M to $1.49M more potential savings; win rate rises to ~100%.
Taft-Hartley 56% chance of beating Fully Insured
$95,211
median five-year savings
+4% expected savings
5th−$647,58325th−$305,062 75th$740,49395th$2,310,059
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,079 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final rates$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded Captive · ~11% cheaper
Highest modeled five-year medianSelf-Funded Captive · $601,429
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 18% (final, per the Delaware Department of Insurance). Fully-insured renewal expectation used here: 8.9% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 15%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Delaware market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO37%
Self-Funded96%
Self-Funded Captive100%
Taft-Hartley58%
Five-year median savings versus staying Fully Insured
PEO −$752,391
Self-Funded $1,501,819
Self-Funded Captive $1,459,294
Taft-Hartley $330,920
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$752,391
median five-year savings
-8% expected savings
5th−$4,866,34625th−$2,205,267 75th$806,66295th$4,567,917
Self-Funded 96% chance of beating Fully Insured
$1,501,819
median five-year savings
+15% expected savings
5th$56,35025th$982,228 75th$2,235,39895th$4,548,802
With additional cost containment: $2.41M to $3.69M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,459,294
median five-year savings
+15% expected savings
5th$602,31725th$997,085 75th$2,272,60895th$4,802,057
With additional cost containment: $2.44M to $3.22M more potential savings; win rate rises to ~100%.
Taft-Hartley 58% chance of beating Fully Insured
$330,920
median five-year savings
+5% expected savings
5th−$1,661,11125th−$667,490 75th$1,871,08295th$5,416,204
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,079 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final rates$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded · $1,501,819
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 18% (final, per the Delaware Department of Insurance). Fully-insured renewal expectation used here: 8.9% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 15%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Delaware market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO31%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley58%
Five-year median savings versus staying Fully Insured
PEO −$2,088,975
Self-Funded $2,661,938
Self-Funded Captive $2,641,156
Taft-Hartley $681,030
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$2,088,975
median five-year savings
-13% expected savings
5th−$9,454,35025th−$4,634,155 75th$784,91995th$6,994,513
Self-Funded 99% chance of beating Fully Insured
$2,661,938
median five-year savings
+16% expected savings
5th$899,45125th$1,912,996 75th$3,936,60495th$7,331,706
With additional cost containment: $3.99M to $6.03M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,641,156
median five-year savings
+16% expected savings
5th$1,099,33225th$1,832,201 75th$4,058,82095th$7,831,655
With additional cost containment: $4.07M to $5.38M more potential savings; win rate rises to ~100%.
Taft-Hartley 58% chance of beating Fully Insured
$681,030
median five-year savings
+5% expected savings
5th−$2,928,43925th−$1,121,608 75th$3,267,31595th$9,518,030
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,079 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final rates$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded · $2,661,938
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 18% (final, per the Delaware Department of Insurance). Fully-insured renewal expectation used here: 8.9% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 15%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Delaware market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO27%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley62%
Five-year median savings versus staying Fully Insured
PEO −$4,136,440
Self-Funded $5,143,086
Self-Funded Captive $4,975,110
Taft-Hartley $1,351,742
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$4,136,440
median five-year savings
-14% expected savings
5th−$18,773,71425th−$8,783,848 75th$609,40095th$10,023,464
Self-Funded 100% chance of beating Fully Insured
$5,143,086
median five-year savings
+16% expected savings
5th$2,100,69425th$3,648,749 75th$7,596,45195th$14,311,065
With additional cost containment: $8.07M to $10.51M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,975,110
median five-year savings
+15% expected savings
5th$2,098,09525th$3,462,105 75th$7,494,11395th$14,325,038
With additional cost containment: $8.15M to $9.88M more potential savings; win rate rises to ~100%.
Taft-Hartley 62% chance of beating Fully Insured
$1,351,742
median five-year savings
+5% expected savings
5th−$4,809,87125th−$1,689,600 75th$5,501,43895th$14,087,273
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,079 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final rates$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded · $5,143,086
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 18% (final, per the Delaware Department of Insurance). Fully-insured renewal expectation used here: 8.9% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 15%.
2026 analysis vs 2027
For 70-employee groups in Delaware, the modeled median five-year savings for Self-Funded Captive moved from $528,906 to $601,429, and its modeled chance of beating Fully Insured stayed at 100%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $112,011 → $193,08489% → 95% odds | $81,536 → $157,08873% → 80% odds | Not modeled | Not modeled |
| 30 | $336,032 → $579,25289% → 95% odds | $416,550 → $673,34087% → 91% odds | Not modeled | $361,781 → $600,01588% → 93% odds |
| 70 | −$135,266 → −$159,61444% → 44% odds | $381,982 → $450,73991% → 91% odds | Not modeled | $528,906 → $601,429100% → 100% odds |
| 150 | −$637,619 → −$752,39137% → 37% odds | Not modeled | $1,272,728 → $1,501,81996% → 96% odds | $1,277,876 → $1,459,294100% → 100% odds |
| 250 | −$1,770,317 → −$2,088,97531% → 31% odds | Not modeled | $2,255,879 → $2,661,93899% → 99% odds | $2,306,911 → $2,641,156100% → 100% odds |
| 500 | −$3,505,458 → −$4,136,44027% → 27% odds | Not modeled | $4,358,548 → $5,143,086100% → 100% odds | $4,353,483 → $4,975,110100% → 100% odds |
Fully Insured baseline used: $914 → $1,079 per employee per month (PY2026 rates → PY2027 final 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 Delaware 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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