PEO 95% chance of beating Fully Insured
$171,929
median five-year savings
+22% expected savings
5th−$31225th$115,866 75th$208,24095th$241,603
Minnesota Health-Plan Funding Guide
Minnesota 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 Minnesota market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO95%
Level-Funded81%
Taft-Hartley14%
Five-year median savings versus staying Fully Insured
PEO $171,929
Level-Funded $144,559
Taft-Hartley −$25,014
5th to 95th percentile 25th to 75th Median
Level-Funded 81% chance of beating Fully Insured
$144,559
median five-year savings
+13% expected savings
5th−$222,94425th$46,744 75th$185,00595th$210,673
With additional cost containment: $148K to $266K more potential savings; win rate rises to ~96%.
Taft-Hartley 14% chance of beating Fully Insured
−$25,014
median five-year savings
-4% expected savings
5th−$61,00525th−$39,337 75th−$10,07295th$11,434
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$968 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 · $171,929
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 10 enrolled employees. Actual quotes and underwriting can materially change results.
2027 renewal assumption: 2027 small-group filed rate 14.2% (proposed, not yet final). Fully-insured renewal expectation used here: 8.8% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 13.7%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Minnesota 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-Hartley14%
Five-year median savings versus staying Fully Insured
PEO $515,786
Level-Funded $613,674
Self-Funded Captive $554,723
Taft-Hartley −$75,043
5th to 95th percentile 25th to 75th Median
PEO 95% chance of beating Fully Insured
$515,786
median five-year savings
+22% expected savings
5th−$93525th$347,597 75th$624,71995th$724,809
Level-Funded 91% chance of beating Fully Insured
$613,674
median five-year savings
+24% expected savings
5th−$207,05825th$406,618 75th$705,62895th$778,634
With additional cost containment: $376K to $595K more potential savings; win rate rises to ~100%.
Self-Funded Captive 94% chance of beating Fully Insured
$554,723
median five-year savings
+23% expected savings
5th−$52,75625th$383,022 75th$656,09095th$749,531
With additional cost containment: $388K to $555K more potential savings; win rate rises to ~100%.
Taft-Hartley 14% chance of beating Fully Insured
−$75,043
median five-year savings
-4% expected savings
5th−$183,01625th−$118,011 75th−$30,21695th$34,301
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$968 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 · $613,674
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 14.2% (proposed, not yet final). Fully-insured renewal expectation used here: 8.8% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 13.7%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Minnesota 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-Hartley28%
Five-year median savings versus staying Fully Insured
PEO −$170,382
Level-Funded $414,068
Self-Funded Captive $561,543
Taft-Hartley −$468,548
5th to 95th percentile 25th to 75th Median
PEO 42% chance of beating Fully Insured
−$170,382
median five-year savings
-5% expected savings
5th−$1,737,85825th−$697,182 75th$418,39095th$1,754,050
Level-Funded 92% chance of beating Fully Insured
$414,068
median five-year savings
+11% expected savings
5th−$166,55825th$232,185 75th$725,79995th$1,727,062
With additional cost containment: $1.02M to $1.50M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$561,543
median five-year savings
+15% expected savings
5th$212,46525th$379,563 75th$880,95395th$1,901,329
With additional cost containment: $997K to $1.32M more potential savings; win rate rises to ~100%.
Taft-Hartley 28% chance of beating Fully Insured
−$468,548
median five-year savings
-8% expected savings
5th−$1,113,19325th−$814,774 75th$89,07695th$1,400,876
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$968 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 · $561,543
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 14.2% (proposed, not yet final). Fully-insured renewal expectation used here: 8.8% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 13.7%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Minnesota 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-Hartley31%
Five-year median savings versus staying Fully Insured
PEO −$755,249
Self-Funded $1,355,401
Self-Funded Captive $1,346,067
Taft-Hartley −$883,792
5th to 95th percentile 25th to 75th Median
PEO 35% chance of beating Fully Insured
−$755,249
median five-year savings
-9% expected savings
5th−$4,442,53225th−$2,034,529 75th$603,36495th$3,802,469
Self-Funded 96% chance of beating Fully Insured
$1,355,401
median five-year savings
+15% expected savings
5th$111,47625th$916,572 75th$1,959,62695th$3,846,171
With additional cost containment: $2.14M to $3.27M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,346,067
median five-year savings
+16% expected savings
5th$625,78125th$958,461 75th$2,015,53995th$4,094,665
With additional cost containment: $2.16M to $2.85M more potential savings; win rate rises to ~100%.
Taft-Hartley 31% chance of beating Fully Insured
−$883,792
median five-year savings
-7% expected savings
5th−$2,618,89425th−$1,761,595 75th$417,34395th$3,417,663
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$968 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 · $1,355,401
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 14.2% (proposed, not yet final). Fully-insured renewal expectation used here: 8.8% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 13.7%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Minnesota 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-Hartley33%
Five-year median savings versus staying Fully Insured
PEO −$2,019,843
Self-Funded $2,396,220
Self-Funded Captive $2,426,651
Taft-Hartley −$1,419,408
5th to 95th percentile 25th to 75th Median
PEO 29% chance of beating Fully Insured
−$2,019,843
median five-year savings
-14% expected savings
5th−$8,604,09725th−$4,289,212 75th$484,84595th$5,873,039
Self-Funded 99% chance of beating Fully Insured
$2,396,220
median five-year savings
+16% expected savings
5th$919,65325th$1,761,442 75th$3,457,00595th$6,216,239
With additional cost containment: $3.55M to $5.35M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,426,651
median five-year savings
+16% expected savings
5th$1,131,61925th$1,733,836 75th$3,608,21395th$6,838,508
With additional cost containment: $3.61M to $4.77M more potential savings; win rate rises to ~100%.
Taft-Hartley 33% chance of beating Fully Insured
−$1,419,408
median five-year savings
-7% expected savings
5th−$4,540,44125th−$2,946,673 75th$884,45395th$6,249,355
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$968 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 · $2,426,651
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 14.2% (proposed, not yet final). Fully-insured renewal expectation used here: 8.8% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 13.7%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Minnesota 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-Hartley29%
Five-year median savings versus staying Fully Insured
PEO −$3,994,433
Self-Funded $4,624,095
Self-Funded Captive $4,584,305
Taft-Hartley −$2,722,727
5th to 95th percentile 25th to 75th Median
PEO 26% chance of beating Fully Insured
−$3,994,433
median five-year savings
-15% expected savings
5th−$17,091,48225th−$8,125,147 75th$155,91095th$8,004,221
Self-Funded 100% chance of beating Fully Insured
$4,624,095
median five-year savings
+16% expected savings
5th$2,073,94325th$3,386,835 75th$6,685,48495th$12,144,401
With additional cost containment: $7.17M to $9.33M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,584,305
median five-year savings
+16% expected savings
5th$2,157,72225th$3,305,042 75th$6,696,94295th$12,359,939
With additional cost containment: $7.23M to $8.75M more potential savings; win rate rises to ~100%.
Taft-Hartley 29% chance of beating Fully Insured
−$2,722,727
median five-year savings
-7% expected savings
5th−$8,138,32725th−$5,433,161 75th$753,76795th$8,105,785
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$968 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 · $4,624,095
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 14.2% (proposed, not yet final). Fully-insured renewal expectation used here: 8.8% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 13.7%.
2026 analysis vs 2027
For 70-employee groups in Minnesota, the modeled median five-year savings for Self-Funded Captive moved from $507,386 to $561,543, and its modeled chance of beating Fully Insured stayed at 100%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $132,524 → $171,92993% → 95% odds | $108,879 → $144,55979% → 81% odds | Not modeled | Not modeled |
| 30 | $397,573 → $515,78693% → 95% odds | $483,833 → $613,67490% → 91% odds | Not modeled | $438,657 → $554,72392% → 94% odds |
| 70 | −$149,196 → −$170,38242% → 42% odds | $362,581 → $414,06892% → 92% odds | Not modeled | $507,386 → $561,543100% → 100% odds |
| 150 | −$661,339 → −$755,24935% → 35% odds | Not modeled | $1,186,866 → $1,355,40196% → 96% odds | $1,212,266 → $1,346,067100% → 100% odds |
| 250 | −$1,768,689 → −$2,019,84329% → 29% odds | Not modeled | $2,098,266 → $2,396,22099% → 99% odds | $2,180,868 → $2,426,651100% → 100% odds |
| 500 | −$3,497,752 → −$3,994,43326% → 26% odds | Not modeled | $4,049,120 → $4,624,095100% → 100% odds | $4,126,187 → $4,584,305100% → 100% odds |
Fully Insured baseline used: $848 → $968 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 Minnesota 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.