PEO 96% chance of beating Fully Insured
$151,973
median five-year savings
+23% expected savings
5th$9,97125th$105,846 75th$182,07695th$209,673
Kansas Health-Plan Funding Guide
Kansas 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 Kansas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO96%
Level-Funded81%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $151,973
Level-Funded $125,395
Taft-Hartley −$136,312
5th to 95th percentile 25th to 75th Median
Level-Funded 81% chance of beating Fully Insured
$125,395
median five-year savings
+14% expected savings
5th−$181,01225th$44,020 75th$159,10895th$180,573
With additional cost containment: $122K to $222K more potential savings; win rate rises to ~96%.
Taft-Hartley 0% chance of beating Fully Insured
−$136,312
median five-year savings
-23% expected savings
5th−$168,85725th−$149,289 75th−$122,79495th−$104,189
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$798 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 · $151,973
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 10.39% (proposed, not yet final). Fully-insured renewal expectation used here: 9.7% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.5%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Kansas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO96%
Level-Funded91%
Self-Funded Captive94%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $455,919
Level-Funded $525,803
Self-Funded Captive $485,305
Taft-Hartley −$408,936
5th to 95th percentile 25th to 75th Median
PEO 96% chance of beating Fully Insured
$455,919
median five-year savings
+23% expected savings
5th$29,91225th$317,539 75th$546,22895th$629,018
Level-Funded 91% chance of beating Fully Insured
$525,803
median five-year savings
+25% expected savings
5th−$157,73525th$352,915 75th$602,54295th$663,319
With additional cost containment: $313K to $496K more potential savings; win rate rises to ~100%.
Self-Funded Captive 94% chance of beating Fully Insured
$485,305
median five-year savings
+24% expected savings
5th−$19,13725th$343,114 75th$570,38095th$647,908
With additional cost containment: $321K to $459K more potential savings; win rate rises to ~100%.
Taft-Hartley 0% chance of beating Fully Insured
−$408,936
median five-year savings
-23% expected savings
5th−$506,57025th−$447,867 75th−$368,38295th−$312,567
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$798 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 · $525,803
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 10.39% (proposed, not yet final). Fully-insured renewal expectation used here: 9.7% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.5%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Kansas 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-Hartley8%
Five-year median savings versus staying Fully Insured
PEO −$118,099
Level-Funded $333,502
Self-Funded Captive $477,771
Taft-Hartley −$1,237,584
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$118,099
median five-year savings
-4% expected savings
5th−$1,405,54925th−$547,055 75th$387,83595th$1,551,289
Level-Funded 91% chance of beating Fully Insured
$333,502
median five-year savings
+11% expected savings
5th−$158,81125th$175,330 75th$615,22295th$1,520,449
With additional cost containment: $852K to $1.25M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$477,771
median five-year savings
+15% expected savings
5th$173,55925th$317,657 75th$767,96595th$1,689,260
With additional cost containment: $824K to $1.09M more potential savings; win rate rises to ~100%.
Taft-Hartley 8% chance of beating Fully Insured
−$1,237,584
median five-year savings
-29% expected savings
5th−$1,788,67025th−$1,534,849 75th−$761,20195th$402,019
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$798 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 · $477,771
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 10.39% (proposed, not yet final). Fully-insured renewal expectation used here: 9.7% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.5%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Kansas 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-Hartley10%
Five-year median savings versus staying Fully Insured
PEO −$556,695
Self-Funded $1,111,199
Self-Funded Captive $1,149,961
Taft-Hartley −$2,553,735
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$556,695
median five-year savings
-8% expected savings
5th−$3,600,62025th−$1,631,682 75th$596,85195th$3,379,811
Self-Funded 96% chance of beating Fully Insured
$1,111,199
median five-year savings
+15% expected savings
5th$41,69325th$726,752 75th$1,653,97695th$3,365,668
With additional cost containment: $1.78M to $2.73M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,149,961
median five-year savings
+16% expected savings
5th$515,88225th$807,972 75th$1,751,73495th$3,623,279
With additional cost containment: $1.78M to $2.36M more potential savings; win rate rises to ~100%.
Taft-Hartley 10% chance of beating Fully Insured
−$2,553,735
median five-year savings
-29% expected savings
5th−$4,037,05325th−$3,302,452 75th−$1,414,61895th$1,214,642
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$798 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 · $1,149,961
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 10.39% (proposed, not yet final). Fully-insured renewal expectation used here: 9.7% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.5%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Kansas 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-Hartley12%
Five-year median savings versus staying Fully Insured
PEO −$1,545,637
Self-Funded $1,969,573
Self-Funded Captive $2,071,241
Taft-Hartley −$4,177,540
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,545,637
median five-year savings
-13% expected savings
5th−$6,995,29425th−$3,428,821 75th$580,76495th$5,175,256
Self-Funded 99% chance of beating Fully Insured
$1,969,573
median five-year savings
+16% expected savings
5th$665,50625th$1,415,430 75th$2,912,70295th$5,424,745
With additional cost containment: $2.95M to $4.46M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,071,241
median five-year savings
+17% expected savings
5th$930,44225th$1,472,694 75th$3,120,17495th$5,911,702
With additional cost containment: $2.98M to $3.95M more potential savings; win rate rises to ~100%.
Taft-Hartley 12% chance of beating Fully Insured
−$4,177,540
median five-year savings
-28% expected savings
5th−$6,857,91025th−$5,486,293 75th−$2,232,80195th$2,303,527
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$798 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 · $2,071,241
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 10.39% (proposed, not yet final). Fully-insured renewal expectation used here: 9.7% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.5%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Kansas 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-Hartley7%
Five-year median savings versus staying Fully Insured
PEO −$3,060,561
Self-Funded $3,805,381
Self-Funded Captive $3,915,183
Taft-Hartley −$8,297,694
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$3,060,561
median five-year savings
-14% expected savings
5th−$13,890,71225th−$6,499,188 75th$450,89795th$7,416,383
Self-Funded 100% chance of beating Fully Insured
$3,805,381
median five-year savings
+16% expected savings
5th$1,554,30825th$2,699,718 75th$5,620,63195th$10,588,788
With additional cost containment: $5.97M to $7.77M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,915,183
median five-year savings
+16% expected savings
5th$1,786,47325th$2,795,707 75th$5,778,99895th$10,833,214
With additional cost containment: $5.97M to $7.25M more potential savings; win rate rises to ~100%.
Taft-Hartley 7% chance of beating Fully Insured
−$8,297,694
median five-year savings
-29% expected savings
5th−$12,934,80725th−$10,623,445 75th−$5,250,82695th$1,081,927
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$798 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 · $3,915,183
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 10.39% (proposed, not yet final). Fully-insured renewal expectation used here: 9.7% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.5%.
2026 analysis vs 2027
For 70-employee groups in Kansas, the modeled median five-year savings for Self-Funded Captive moved from $444,662 to $477,771, and its modeled chance of beating Fully Insured stayed at 100%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $126,382 → $151,97395% → 96% odds | $102,234 → $125,39580% → 81% odds | Not modeled | Not modeled |
| 30 | $379,145 → $455,91995% → 96% odds | $442,117 → $525,80390% → 91% odds | Not modeled | $410,419 → $485,30593% → 94% odds |
| 70 | −$106,983 → −$118,09944% → 44% odds | $302,113 → $333,50291% → 91% odds | Not modeled | $444,662 → $477,771100% → 100% odds |
| 150 | −$504,299 → −$556,69537% → 37% odds | Not modeled | $1,006,612 → $1,111,19996% → 96% odds | $1,067,138 → $1,149,961100% → 100% odds |
| 250 | −$1,400,160 → −$1,545,63731% → 31% odds | Not modeled | $1,784,196 → $1,969,57399% → 99% odds | $1,918,648 → $2,071,241100% → 100% odds |
| 500 | −$2,772,498 → −$3,060,56127% → 27% odds | Not modeled | $3,447,215 → $3,805,381100% → 100% odds | $3,631,391 → $3,915,183100% → 100% odds |
Fully Insured baseline used: $723 → $798 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 Kansas 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.