PEO 97% chance of beating Fully Insured
$177,911
median five-year savings
+27% expected savings
5th$38,17625th$132,473 75th$207,43895th$235,368
Kentucky Health-Plan Funding Guide
Kentucky 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 Kentucky market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO97%
Level-Funded85%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $177,911
Level-Funded $159,867
Taft-Hartley −$119,037
5th to 95th percentile 25th to 75th Median
Level-Funded 85% chance of beating Fully Insured
$159,867
median five-year savings
+19% expected savings
5th−$133,17825th$81,984 75th$191,88495th$212,926
With additional cost containment: $119K to $213K more potential savings; win rate rises to ~98%.
Taft-Hartley 0% chance of beating Fully Insured
−$119,037
median five-year savings
-20% expected savings
5th−$151,84825th−$132,149 75th−$105,25895th−$86,289
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$782 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 · $177,911
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 10.71% (proposed, not yet final). Fully-insured renewal expectation used here: 12.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 13.8%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Kentucky market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO97%
Level-Funded94%
Self-Funded Captive97%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $533,732
Level-Funded $623,779
Self-Funded Captive $587,794
Taft-Hartley −$357,111
5th to 95th percentile 25th to 75th Median
PEO 97% chance of beating Fully Insured
$533,732
median five-year savings
+27% expected savings
5th$114,52725th$397,420 75th$622,31495th$706,103
Level-Funded 94% chance of beating Fully Insured
$623,779
median five-year savings
+30% expected savings
5th−$35,40125th$456,840 75th$696,89995th$756,640
With additional cost containment: $301K to $476K more potential savings; win rate rises to ~100%.
Self-Funded Captive 97% chance of beating Fully Insured
$587,794
median five-year savings
+29% expected savings
5th$103,64625th$450,244 75th$669,52795th$743,392
With additional cost containment: $308K to $442K more potential savings; win rate rises to ~100%.
Taft-Hartley 0% chance of beating Fully Insured
−$357,111
median five-year savings
-20% expected savings
5th−$455,54325th−$396,448 75th−$315,77495th−$258,867
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$782 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 · $623,779
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 10.71% (proposed, not yet final). Fully-insured renewal expectation used here: 12.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 13.8%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Kentucky market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO40%
Level-Funded92%
Self-Funded Captive100%
Taft-Hartley5%
Five-year median savings versus staying Fully Insured
PEO −$169,010
Level-Funded $337,092
Self-Funded Captive $481,573
Taft-Hartley −$1,374,292
5th to 95th percentile 25th to 75th Median
PEO 40% chance of beating Fully Insured
−$169,010
median five-year savings
-6% expected savings
5th−$1,427,75325th−$582,914 75th$295,92695th$1,309,728
Level-Funded 92% chance of beating Fully Insured
$337,092
median five-year savings
+11% expected savings
5th−$114,34525th$204,283 75th$571,38895th$1,319,947
With additional cost containment: $818K to $1.20M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$481,573
median five-year savings
+15% expected savings
5th$221,30025th$346,605 75th$718,08795th$1,474,006
With additional cost containment: $790K to $1.05M more potential savings; win rate rises to ~100%.
Taft-Hartley 5% chance of beating Fully Insured
−$1,374,292
median five-year savings
-34% expected savings
5th−$1,881,32825th−$1,642,791 75th−$948,20395th$34,123
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$782 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 · $481,573
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 10.71% (proposed, not yet final). Fully-insured renewal expectation used here: 12.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 13.8%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Kentucky market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO33%
Self-Funded96%
Self-Funded Captive100%
Taft-Hartley7%
Five-year median savings versus staying Fully Insured
PEO −$680,547
Self-Funded $1,102,880
Self-Funded Captive $1,148,315
Taft-Hartley −$2,860,999
5th to 95th percentile 25th to 75th Median
PEO 33% chance of beating Fully Insured
−$680,547
median five-year savings
-10% expected savings
5th−$3,642,58225th−$1,705,473 75th$391,95295th$2,918,428
Self-Funded 96% chance of beating Fully Insured
$1,102,880
median five-year savings
+15% expected savings
5th$144,12825th$770,895 75th$1,554,37195th$2,921,373
With additional cost containment: $1.71M to $2.62M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,148,315
median five-year savings
+16% expected savings
5th$602,99725th$855,782 75th$1,653,89295th$3,192,924
With additional cost containment: $1.71M to $2.27M more potential savings; win rate rises to ~100%.
Taft-Hartley 7% chance of beating Fully Insured
−$2,860,999
median five-year savings
-34% expected savings
5th−$4,225,62425th−$3,536,240 75th−$1,842,87295th$526,654
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$782 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 · $1,148,315
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 10.71% (proposed, not yet final). Fully-insured renewal expectation used here: 12.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 13.8%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Kentucky market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO27%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley9%
Five-year median savings versus staying Fully Insured
PEO −$1,749,577
Self-Funded $1,943,390
Self-Funded Captive $2,048,601
Taft-Hartley −$4,714,041
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$1,749,577
median five-year savings
-15% expected savings
5th−$7,008,03325th−$3,581,031 75th$211,27795th$4,479,776
Self-Funded 99% chance of beating Fully Insured
$1,943,390
median five-year savings
+16% expected savings
5th$825,59725th$1,467,425 75th$2,719,42895th$4,732,527
With additional cost containment: $2.84M to $4.28M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,048,601
median five-year savings
+17% expected savings
5th$1,066,96225th$1,524,496 75th$2,952,38595th$5,385,443
With additional cost containment: $2.86M to $3.79M more potential savings; win rate rises to ~100%.
Taft-Hartley 9% chance of beating Fully Insured
−$4,714,041
median five-year savings
-33% expected savings
5th−$7,191,70725th−$5,901,819 75th−$2,900,75395th$1,258,828
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$782 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 · $2,048,601
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 10.71% (proposed, not yet final). Fully-insured renewal expectation used here: 12.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 13.8%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Kentucky market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO24%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley4%
Five-year median savings versus staying Fully Insured
PEO −$3,426,425
Self-Funded $3,757,915
Self-Funded Captive $3,894,669
Taft-Hartley −$9,311,672
5th to 95th percentile 25th to 75th Median
PEO 24% chance of beating Fully Insured
−$3,426,425
median five-year savings
-16% expected savings
5th−$13,965,08425th−$6,765,399 75th−$228,81495th$5,914,760
Self-Funded 100% chance of beating Fully Insured
$3,757,915
median five-year savings
+16% expected savings
5th$1,821,73925th$2,829,724 75th$5,290,23095th$9,262,046
With additional cost containment: $5.74M to $7.46M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,894,669
median five-year savings
+16% expected savings
5th$2,055,74525th$2,916,851 75th$5,456,55995th$9,703,365
With additional cost containment: $5.74M to $6.95M more potential savings; win rate rises to ~100%.
Taft-Hartley 4% chance of beating Fully Insured
−$9,311,672
median five-year savings
-34% expected savings
5th−$13,642,35525th−$11,455,209 75th−$6,541,46895th−$955,618
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$782 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 · $3,894,669
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 10.71% (proposed, not yet final). Fully-insured renewal expectation used here: 12.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 13.8%.
2026 analysis vs 2027
For 70-employee groups in Kentucky, the modeled median five-year savings for Self-Funded Captive moved from $447,175 to $481,573, and its modeled chance of beating Fully Insured stayed at 100%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $128,414 → $177,91195% → 97% odds | $112,123 → $159,86782% → 85% odds | Not modeled | Not modeled |
| 30 | $385,241 → $533,73295% → 97% odds | $466,795 → $623,77992% → 94% odds | Not modeled | $438,921 → $587,79495% → 97% odds |
| 70 | −$152,660 → −$169,01040% → 40% odds | $304,482 → $337,09292% → 92% odds | Not modeled | $447,175 → $481,573100% → 100% odds |
| 150 | −$614,712 → −$680,54733% → 33% odds | Not modeled | $996,188 → $1,102,88096% → 96% odds | $1,063,347 → $1,148,315100% → 100% odds |
| 250 | −$1,580,324 → −$1,749,57727% → 27% odds | Not modeled | $1,755,388 → $1,943,39099% → 99% odds | $1,893,954 → $2,048,601100% → 100% odds |
| 500 | −$3,094,955 → −$3,426,42524% → 24% odds | Not modeled | $3,394,377 → $3,757,915100% → 100% odds | $3,604,967 → $3,894,669100% → 100% odds |
Fully Insured baseline used: $706 → $782 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 Kentucky 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.