PEO 95% chance of beating Fully Insured
$147,889
median five-year savings
+22% expected savings
5th$3,25625th$100,906 75th$178,52495th$206,608
Idaho Health-Plan Funding Guide
Idaho 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 Idaho market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO95%
Level-Funded81%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $147,889
Level-Funded $120,783
Taft-Hartley −$132,145
5th to 95th percentile 25th to 75th Median
Level-Funded 81% chance of beating Fully Insured
$120,783
median five-year savings
+13% expected savings
5th−$191,47325th$37,553 75th$155,23295th$176,958
With additional cost containment: $125K to $226K more potential savings; win rate rises to ~96%.
Taft-Hartley 0% chance of beating Fully Insured
−$132,145
median five-year savings
-23% expected savings
5th−$164,84725th−$145,187 75th−$118,52995th−$99,865
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$813 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 · $147,889
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 11.24% (proposed, not yet final). Fully-insured renewal expectation used here: 9.1% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.8%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Idaho market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO95%
Level-Funded91%
Self-Funded Captive94%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $443,667
Level-Funded $514,755
Self-Funded Captive $472,705
Taft-Hartley −$396,434
5th to 95th percentile 25th to 75th Median
PEO 95% chance of beating Fully Insured
$443,667
median five-year savings
+22% expected savings
5th$9,76925th$302,719 75th$535,57195th$619,824
Level-Funded 91% chance of beating Fully Insured
$514,755
median five-year savings
+24% expected savings
5th−$182,27425th$338,793 75th$592,95895th$655,243
With additional cost containment: $319K to $505K more potential savings; win rate rises to ~100%.
Self-Funded Captive 94% chance of beating Fully Insured
$472,705
median five-year savings
+23% expected savings
5th−$41,58225th$328,179 75th$558,67795th$638,431
With additional cost containment: $327K to $468K more potential savings; win rate rises to ~100%.
Taft-Hartley 0% chance of beating Fully Insured
−$396,434
median five-year savings
-23% expected savings
5th−$494,54225th−$435,561 75th−$355,58895th−$299,595
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$813 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 · $514,755
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 11.24% (proposed, not yet final). Fully-insured renewal expectation used here: 9.1% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.8%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Idaho 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-Hartley10%
Five-year median savings versus staying Fully Insured
PEO −$120,376
Level-Funded $339,933
Self-Funded Captive $484,554
Taft-Hartley −$1,163,961
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$120,376
median five-year savings
-4% expected savings
5th−$1,432,65225th−$557,604 75th$395,31395th$1,581,202
Level-Funded 91% chance of beating Fully Insured
$339,933
median five-year savings
+11% expected savings
5th−$161,87425th$178,711 75th$627,08595th$1,549,768
With additional cost containment: $868K to $1.27M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$484,554
median five-year savings
+15% expected savings
5th$174,47625th$321,353 75th$780,34495th$1,719,404
With additional cost containment: $841K to $1.11M more potential savings; win rate rises to ~100%.
Taft-Hartley 10% chance of beating Fully Insured
−$1,163,961
median five-year savings
-27% expected savings
5th−$1,726,96625th−$1,467,046 75th−$678,29795th$504,188
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$813 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 · $484,554
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 11.24% (proposed, not yet final). Fully-insured renewal expectation used here: 9.1% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.8%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Idaho 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-Hartley11%
Five-year median savings versus staying Fully Insured
PEO −$567,430
Self-Funded $1,132,626
Self-Funded Captive $1,166,929
Taft-Hartley −$2,393,536
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$567,430
median five-year savings
-8% expected savings
5th−$3,670,05025th−$1,663,145 75th$608,36095th$3,444,983
Self-Funded 96% chance of beating Fully Insured
$1,132,626
median five-year savings
+15% expected savings
5th$42,49725th$740,766 75th$1,685,86995th$3,430,567
With additional cost containment: $1.82M to $2.78M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,166,929
median five-year savings
+16% expected savings
5th$520,62325th$818,345 75th$1,780,30695th$3,687,939
With additional cost containment: $1.82M to $2.41M more potential savings; win rate rises to ~100%.
Taft-Hartley 11% chance of beating Fully Insured
−$2,393,536
median five-year savings
-26% expected savings
5th−$3,907,98325th−$3,160,196 75th−$1,234,86395th$1,445,935
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$813 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 · $1,166,929
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 11.24% (proposed, not yet final). Fully-insured renewal expectation used here: 9.1% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.8%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Idaho 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-Hartley13%
Five-year median savings versus staying Fully Insured
PEO −$1,575,441
Self-Funded $2,007,552
Self-Funded Captive $2,102,503
Taft-Hartley −$3,908,603
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,575,441
median five-year savings
-13% expected savings
5th−$7,130,18225th−$3,494,938 75th$591,96295th$5,275,049
Self-Funded 99% chance of beating Fully Insured
$2,007,552
median five-year savings
+16% expected savings
5th$678,33825th$1,442,723 75th$2,968,86695th$5,529,349
With additional cost containment: $3.01M to $4.54M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,102,503
median five-year savings
+17% expected savings
5th$939,70625th$1,492,414 75th$3,171,66295th$6,017,019
With additional cost containment: $3.04M to $4.03M more potential savings; win rate rises to ~100%.
Taft-Hartley 13% chance of beating Fully Insured
−$3,908,603
median five-year savings
-26% expected savings
5th−$6,639,73925th−$5,251,994 75th−$1,930,47095th$2,697,293
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$813 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 · $2,102,503
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 11.24% (proposed, not yet final). Fully-insured renewal expectation used here: 9.1% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.8%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Idaho 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-Hartley8%
Five-year median savings versus staying Fully Insured
PEO −$3,119,577
Self-Funded $3,878,759
Self-Funded Captive $3,973,324
Taft-Hartley −$7,764,308
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$3,119,577
median five-year savings
-14% expected savings
5th−$14,158,56325th−$6,624,510 75th$459,59195th$7,559,391
Self-Funded 100% chance of beating Fully Insured
$3,878,759
median five-year savings
+16% expected savings
5th$1,584,28025th$2,751,775 75th$5,729,01295th$10,792,969
With additional cost containment: $6.08M to $7.92M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,973,324
median five-year savings
+16% expected savings
5th$1,803,56725th$2,832,262 75th$5,873,07995th$11,024,754
With additional cost containment: $6.09M to $7.39M more potential savings; win rate rises to ~100%.
Taft-Hartley 8% chance of beating Fully Insured
−$7,764,308
median five-year savings
-26% expected savings
5th−$12,491,94025th−$10,136,512 75th−$4,669,62495th$1,803,078
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$813 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 · $3,973,324
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 11.24% (proposed, not yet final). Fully-insured renewal expectation used here: 9.1% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.8%.
2026 analysis vs 2027
For 70-employee groups in Idaho, the modeled median five-year savings for Self-Funded Captive moved from $448,325 to $484,554, and its modeled chance of beating Fully Insured stayed at 100%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $114,335 → $147,88993% → 95% odds | $90,139 → $120,78378% → 81% odds | Not modeled | Not modeled |
| 30 | $343,004 → $443,66793% → 95% odds | $407,178 → $514,75589% → 91% odds | Not modeled | $374,309 → $472,70592% → 94% odds |
| 70 | −$108,213 → −$120,37644% → 44% odds | $305,586 → $339,93391% → 91% odds | Not modeled | $448,325 → $484,554100% → 100% odds |
| 150 | −$510,095 → −$567,43037% → 37% odds | Not modeled | $1,018,183 → $1,132,62696% → 96% odds | $1,076,301 → $1,166,929100% → 100% odds |
| 250 | −$1,416,254 → −$1,575,44131% → 31% odds | Not modeled | $1,804,704 → $2,007,55299% → 99% odds | $1,935,529 → $2,102,503100% → 100% odds |
| 500 | −$2,804,366 → −$3,119,57727% → 27% odds | Not modeled | $3,486,838 → $3,878,759100% → 100% odds | $3,662,786 → $3,973,324100% → 100% odds |
Fully Insured baseline used: $731 → $813 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 Idaho 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.