PEO 96% chance of beating Fully Insured
$177,233
median five-year savings
+25% expected savings
5th$22,09925th$126,804 75th$210,16695th$240,543
Georgia Health-Plan Funding Guide
Georgia 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 Georgia market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO96%
Level-Funded83%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $177,233
Level-Funded $152,502
Taft-Hartley −$71,964
5th to 95th percentile 25th to 75th Median
Level-Funded 83% chance of beating Fully Insured
$152,502
median five-year savings
+16% expected savings
5th−$177,86925th$65,393 75th$188,82295th$212,364
With additional cost containment: $133K to $239K more potential savings; win rate rises to ~97%.
Taft-Hartley 0% chance of beating Fully Insured
−$71,964
median five-year savings
-11% expected savings
5th−$106,36425th−$85,586 75th−$57,54895th−$37,497
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$871 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 · $177,233
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 16.43% (proposed, not yet final). Fully-insured renewal expectation used here: 10.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.4%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Georgia market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO96%
Level-Funded93%
Self-Funded Captive96%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $531,699
Level-Funded $619,976
Self-Funded Captive $572,234
Taft-Hartley −$215,893
5th to 95th percentile 25th to 75th Median
PEO 96% chance of beating Fully Insured
$531,699
median five-year savings
+25% expected savings
5th$66,29825th$380,411 75th$630,49795th$721,630
Level-Funded 93% chance of beating Fully Insured
$619,976
median five-year savings
+27% expected savings
5th−$120,43825th$432,640 75th$702,41495th$768,948
With additional cost containment: $338K to $536K more potential savings; win rate rises to ~100%.
Self-Funded Captive 96% chance of beating Fully Insured
$572,234
median five-year savings
+26% expected savings
5th$28,04225th$418,700 75th$664,15895th$747,875
With additional cost containment: $348K to $498K more potential savings; win rate rises to ~100%.
Taft-Hartley 0% chance of beating Fully Insured
−$215,893
median five-year savings
-11% expected savings
5th−$319,09225th−$256,757 75th−$172,64395th−$112,491
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$871 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 · $619,976
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 16.43% (proposed, not yet final). Fully-insured renewal expectation used here: 10.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.4%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Georgia market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO42%
Level-Funded92%
Self-Funded Captive100%
Taft-Hartley14%
Five-year median savings versus staying Fully Insured
PEO −$153,273
Level-Funded $372,488
Self-Funded Captive $517,807
Taft-Hartley −$925,808
5th to 95th percentile 25th to 75th Median
PEO 42% chance of beating Fully Insured
−$153,273
median five-year savings
-5% expected savings
5th−$1,563,34725th−$627,173 75th$376,37695th$1,577,913
Level-Funded 92% chance of beating Fully Insured
$372,488
median five-year savings
+11% expected savings
5th−$149,83325th$208,870 75th$652,91695th$1,553,635
With additional cost containment: $919K to $1.35M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$517,807
median five-year savings
+15% expected savings
5th$203,78325th$354,100 75th$805,14295th$1,723,055
With additional cost containment: $893K to $1.18M more potential savings; win rate rises to ~100%.
Taft-Hartley 14% chance of beating Fully Insured
−$925,808
median five-year savings
-20% expected savings
5th−$1,507,16425th−$1,239,348 75th−$425,36695th$756,686
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$871 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 · $517,807
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 16.43% (proposed, not yet final). Fully-insured renewal expectation used here: 10.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.4%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Georgia market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO35%
Self-Funded96%
Self-Funded Captive100%
Taft-Hartley17%
Five-year median savings versus staying Fully Insured
PEO −$679,409
Self-Funded $1,219,295
Self-Funded Captive $1,238,012
Taft-Hartley −$1,881,682
5th to 95th percentile 25th to 75th Median
PEO 35% chance of beating Fully Insured
−$679,409
median five-year savings
-9% expected savings
5th−$3,996,42525th−$1,830,227 75th$542,77695th$3,420,636
Self-Funded 96% chance of beating Fully Insured
$1,219,295
median five-year savings
+15% expected savings
5th$100,28225th$824,532 75th$1,762,84695th$3,459,949
With additional cost containment: $1.93M to $2.95M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,238,012
median five-year savings
+16% expected savings
5th$590,05525th$889,328 75th$1,840,25795th$3,710,603
With additional cost containment: $1.94M to $2.56M more potential savings; win rate rises to ~100%.
Taft-Hartley 17% chance of beating Fully Insured
−$1,881,682
median five-year savings
-19% expected savings
5th−$3,446,67325th−$2,669,502 75th−$706,67095th$1,980,084
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$871 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 · $1,238,012
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 16.43% (proposed, not yet final). Fully-insured renewal expectation used here: 10.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.4%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Georgia market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO29%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley19%
Five-year median savings versus staying Fully Insured
PEO −$1,817,016
Self-Funded $2,155,598
Self-Funded Captive $2,228,161
Taft-Hartley −$3,065,878
5th to 95th percentile 25th to 75th Median
PEO 29% chance of beating Fully Insured
−$1,817,016
median five-year savings
-14% expected savings
5th−$7,740,09825th−$3,858,502 75th$436,15995th$5,283,285
Self-Funded 99% chance of beating Fully Insured
$2,155,598
median five-year savings
+16% expected savings
5th$827,30425th$1,584,563 75th$3,109,86295th$5,592,022
With additional cost containment: $3.19M to $4.82M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,228,161
median five-year savings
+17% expected savings
5th$1,063,17225th$1,604,917 75th$3,291,07495th$6,196,992
With additional cost containment: $3.23M to $4.28M more potential savings; win rate rises to ~100%.
Taft-Hartley 19% chance of beating Fully Insured
−$3,065,878
median five-year savings
-19% expected savings
5th−$5,886,74225th−$4,442,278 75th−$998,00795th$3,807,034
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$871 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 · $2,228,161
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 16.43% (proposed, not yet final). Fully-insured renewal expectation used here: 10.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.4%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Georgia market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO26%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley12%
Five-year median savings versus staying Fully Insured
PEO −$3,593,323
Self-Funded $4,159,756
Self-Funded Captive $4,214,337
Taft-Hartley −$6,030,336
5th to 95th percentile 25th to 75th Median
PEO 26% chance of beating Fully Insured
−$3,593,323
median five-year savings
-15% expected savings
5th−$15,375,20325th−$7,309,242 75th$140,25495th$7,200,460
Self-Funded 100% chance of beating Fully Insured
$4,159,756
median five-year savings
+16% expected savings
5th$1,865,68325th$3,046,739 75th$6,014,14695th$10,924,894
With additional cost containment: $6.45M to $8.39M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,214,337
median five-year savings
+16% expected savings
5th$2,031,42525th$3,063,534 75th$6,114,82995th$11,209,164
With additional cost containment: $6.48M to $7.85M more potential savings; win rate rises to ~100%.
Taft-Hartley 12% chance of beating Fully Insured
−$6,030,336
median five-year savings
-19% expected savings
5th−$10,953,12225th−$8,513,901 75th−$2,918,01995th$3,743,838
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$871 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 · $4,214,337
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 16.43% (proposed, not yet final). Fully-insured renewal expectation used here: 10.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.4%.
2026 analysis vs 2027
For 70-employee groups in Georgia, the modeled median five-year savings for Self-Funded Captive moved from $462,517 to $517,807, and its modeled chance of beating Fully Insured stayed at 100%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $120,102 → $177,23394% → 96% odds | $99,153 → $152,50279% → 83% odds | Not modeled | Not modeled |
| 30 | $360,307 → $531,69994% → 96% odds | $436,168 → $619,97690% → 93% odds | Not modeled | $402,736 → $572,23493% → 96% odds |
| 70 | −$131,644 → −$153,27342% → 42% odds | $319,925 → $372,48892% → 92% odds | Not modeled | $462,517 → $517,807100% → 100% odds |
| 150 | −$583,534 → −$679,40935% → 35% odds | Not modeled | $1,047,234 → $1,219,29596% → 96% odds | $1,101,411 → $1,238,012100% → 100% odds |
| 250 | −$1,560,608 → −$1,817,01629% → 29% odds | Not modeled | $1,851,411 → $2,155,59899% → 99% odds | $1,977,236 → $2,228,161100% → 100% odds |
| 500 | −$3,086,252 → −$3,593,32326% → 26% odds | Not modeled | $3,572,753 → $4,159,756100% → 100% odds | $3,746,635 → $4,214,337100% → 100% odds |
Fully Insured baseline used: $748 → $871 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 Georgia 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.