PEO 95% chance of beating Fully Insured
$191,068
median five-year savings
+23% expected savings
5th$9,92425th$132,179 75th$229,43795th$264,607
Maine Health-Plan Funding Guide
Maine 2027 funding analysis by employer size
Plan year 2027 Rates used: PY2027 final approved 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 Maine market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO95%
Taft-Hartley83%
Five-year median savings versus staying Fully Insured
PEO $191,068
Taft-Hartley $21,310
5th to 95th percentile 25th to 75th Median
Taft-Hartley 83% chance of beating Fully Insured
$21,310
median five-year savings
+3% expected savings
5th−$16,19525th$6,855 75th$36,97995th$59,951
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,019 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final approved rates$0 saved
Day-one and five-year context
Lowest modeled day-one costPEO · ~28% cheaper
Highest modeled five-year medianPEO · $191,068
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 13.5% (final, approved by the Maine Bureau of Insurance). Fully-insured renewal expectation used here: 9.5% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 13.5%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Maine 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-Hartley83%
Five-year median savings versus staying Fully Insured
PEO $573,205
Level-Funded $662,233
Self-Funded Captive $595,527
Taft-Hartley $63,930
5th to 95th percentile 25th to 75th Median
PEO 95% chance of beating Fully Insured
$573,205
median five-year savings
+23% expected savings
5th$29,77125th$396,536 75th$688,31095th$793,820
Level-Funded 91% chance of beating Fully Insured
$662,233
median five-year savings
+24% expected savings
5th−$210,33325th$441,827 75th$760,20195th$837,909
With additional cost containment: $399K to $633K more potential savings; win rate rises to ~100%.
Self-Funded Captive 94% chance of beating Fully Insured
$595,527
median five-year savings
+23% expected savings
5th−$48,16225th$414,195 75th$704,04395th$803,235
With additional cost containment: $413K to $590K more potential savings; win rate rises to ~100%.
Taft-Hartley 83% chance of beating Fully Insured
$63,930
median five-year savings
+3% expected savings
5th−$48,58525th$20,565 75th$110,93795th$179,852
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,019 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final approved rates$0 saved
Day-one and five-year context
Lowest modeled day-one costPEO · ~28% cheaper
Highest modeled five-year medianLevel-Funded · $662,233
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 30 enrolled employees. Actual quotes and underwriting can materially change results.
2027 renewal assumption: 2027 small-group filed rate 13.5% (final, approved by the Maine Bureau of Insurance). Fully-insured renewal expectation used here: 9.5% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 13.5%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Maine 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-Hartley40%
Five-year median savings versus staying Fully Insured
PEO −$150,736
Level-Funded $425,667
Self-Funded Captive $574,984
Taft-Hartley −$188,161
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$150,736
median five-year savings
-4% expected savings
5th−$1,793,97625th−$698,236 75th$495,01495th$1,979,992
Level-Funded 91% chance of beating Fully Insured
$425,667
median five-year savings
+11% expected savings
5th−$202,69925th$223,783 75th$785,24095th$1,940,629
With additional cost containment: $1.09M to $1.60M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$574,984
median five-year savings
+14% expected savings
5th$186,70225th$370,622 75th$945,37495th$2,121,271
With additional cost containment: $1.06M to $1.40M more potential savings; win rate rises to ~100%.
Taft-Hartley 40% chance of beating Fully Insured
−$188,161
median five-year savings
-1% expected savings
5th−$895,44525th−$568,552 75th$419,50395th$1,901,320
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,019 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final approved 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 · $574,984
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 13.5% (final, approved by the Maine Bureau of Insurance). Fully-insured renewal expectation used here: 9.5% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 13.5%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Maine 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-Hartley43%
Five-year median savings versus staying Fully Insured
PEO −$710,540
Self-Funded $1,418,282
Self-Funded Captive $1,393,141
Taft-Hartley −$284,709
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$710,540
median five-year savings
-8% expected savings
5th−$4,595,66025th−$2,082,601 75th$761,79295th$4,313,831
Self-Funded 96% chance of beating Fully Insured
$1,418,282
median five-year savings
+15% expected savings
5th$53,21525th$927,592 75th$2,111,05695th$4,295,779
With additional cost containment: $2.27M to $3.48M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,393,141
median five-year savings
+16% expected savings
5th$583,83225th$956,642 75th$2,161,21495th$4,549,966
With additional cost containment: $2.30M to $3.04M more potential savings; win rate rises to ~100%.
Taft-Hartley 43% chance of beating Fully Insured
−$284,709
median five-year savings
-1% expected savings
5th−$2,164,56825th−$1,229,938 75th$1,181,64595th$4,506,587
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,019 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final approved rates$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded · $1,418,282
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 13.5% (final, approved by the Maine Bureau of Insurance). Fully-insured renewal expectation used here: 9.5% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 13.5%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Maine 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-Hartley46%
Five-year median savings versus staying Fully Insured
PEO −$1,972,777
Self-Funded $2,513,870
Self-Funded Captive $2,519,275
Taft-Hartley −$357,200
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,972,777
median five-year savings
-13% expected savings
5th−$8,928,46125th−$4,376,384 75th$741,25995th$6,605,450
Self-Funded 99% chance of beating Fully Insured
$2,513,870
median five-year savings
+16% expected savings
5th$849,42025th$1,806,588 75th$3,717,63495th$6,923,887
With additional cost containment: $3.77M to $5.69M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,519,275
median five-year savings
+16% expected savings
5th$1,063,21425th$1,755,318 75th$3,858,08395th$7,421,057
With additional cost containment: $3.84M to $5.08M more potential savings; win rate rises to ~100%.
Taft-Hartley 46% chance of beating Fully Insured
−$357,200
median five-year savings
+0% expected savings
5th−$3,778,36925th−$2,048,752 75th$2,094,69495th$7,976,574
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,019 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final approved rates$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $2,519,275
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 13.5% (final, approved by the Maine Bureau of Insurance). Fully-insured renewal expectation used here: 9.5% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 13.5%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Maine 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-Hartley45%
Five-year median savings versus staying Fully Insured
PEO −$3,906,355
Self-Funded $4,857,007
Self-Funded Captive $4,748,436
Taft-Hartley −$694,775
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$3,906,355
median five-year savings
-14% expected savings
5th−$17,729,44525th−$8,295,255 75th$575,50395th$9,465,919
Self-Funded 100% chance of beating Fully Insured
$4,857,007
median five-year savings
+16% expected savings
5th$1,983,84525th$3,445,791 75th$7,173,90695th$13,515,026
With additional cost containment: $7.62M to $9.92M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,748,436
median five-year savings
+15% expected savings
5th$2,031,45225th$3,319,591 75th$7,127,32295th$13,578,283
With additional cost containment: $7.68M to $9.31M more potential savings; win rate rises to ~100%.
Taft-Hartley 45% chance of beating Fully Insured
−$694,775
median five-year savings
-1% expected savings
5th−$6,543,80625th−$3,615,167 75th$3,190,91795th$11,338,819
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,019 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final approved rates$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded · $4,857,007
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 13.5% (final, approved by the Maine Bureau of Insurance). Fully-insured renewal expectation used here: 9.5% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 13.5%.
2026 analysis vs 2027
For 70-employee groups in Maine, the modeled median five-year savings for Self-Funded Captive moved from $521,580 to $574,984, and its modeled chance of beating Fully Insured stayed at 100%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $145,400 → $191,06894% → 95% odds | Not modeled | Not modeled | Not modeled |
| 30 | $436,200 → $573,20594% → 95% odds | $514,698 → $662,23390% → 91% odds | Not modeled | $462,302 → $595,52792% → 94% odds |
| 70 | −$132,807 → −$150,73644% → 44% odds | $375,037 → $425,66791% → 91% odds | Not modeled | $521,580 → $574,984100% → 100% odds |
| 150 | −$626,026 → −$710,54037% → 37% odds | Not modeled | $1,249,588 → $1,418,28296% → 96% odds | $1,259,551 → $1,393,141100% → 100% odds |
| 250 | −$1,738,130 → −$1,972,77731% → 31% odds | Not modeled | $2,214,863 → $2,513,87099% → 99% odds | $2,273,149 → $2,519,275100% → 100% odds |
| 500 | −$3,441,722 → −$3,906,35527% → 27% odds | Not modeled | $4,279,302 → $4,857,007100% → 100% odds | $4,290,692 → $4,748,436100% → 100% odds |
Fully Insured baseline used: $897 → $1,019 per employee per month (PY2026 rates → PY2027 final approved 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 Maine 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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