PEO 96% chance of beating Fully Insured
$160,050
median five-year savings
+23% expected savings
5th$9,41425th$111,099 75th$191,95995th$221,224
Nebraska Health-Plan Funding Guide
Nebraska 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 Nebraska 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 $160,050
Level-Funded $131,831
Taft-Hartley −$102,072
5th to 95th percentile 25th to 75th Median
Level-Funded 81% chance of beating Fully Insured
$131,831
median five-year savings
+14% expected savings
5th−$193,28725th$45,425 75th$167,62095th$190,387
With additional cost containment: $130K to $235K more potential savings; win rate rises to ~96%.
Taft-Hartley 0% chance of beating Fully Insured
−$102,072
median five-year savings
-17% expected savings
5th−$135,59925th−$115,440 75th−$87,92195th−$68,737
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$847 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 · $160,050
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 13.23% (proposed, not yet final). Fully-insured renewal expectation used here: 9.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 12.6%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Nebraska 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 $480,151
Level-Funded $554,234
Self-Funded Captive $507,925
Taft-Hartley −$306,215
5th to 95th percentile 25th to 75th Median
PEO 96% chance of beating Fully Insured
$480,151
median five-year savings
+23% expected savings
5th$28,24125th$333,296 75th$575,87895th$663,673
Level-Funded 91% chance of beating Fully Insured
$554,234
median five-year savings
+25% expected savings
5th−$171,12025th$370,894 75th$635,69495th$700,211
With additional cost containment: $332K to $526K more potential savings; win rate rises to ~100%.
Self-Funded Captive 94% chance of beating Fully Insured
$507,925
median five-year savings
+24% expected savings
5th−$27,27225th$357,076 75th$598,19795th$680,532
With additional cost containment: $341K to $488K more potential savings; win rate rises to ~100%.
Taft-Hartley 0% chance of beating Fully Insured
−$306,215
median five-year savings
-17% expected savings
5th−$406,79825th−$346,320 75th−$263,76295th−$206,211
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$847 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 · $554,234
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 13.23% (proposed, not yet final). Fully-insured renewal expectation used here: 9.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 12.6%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Nebraska 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-Hartley13%
Five-year median savings versus staying Fully Insured
PEO −$125,315
Level-Funded $353,878
Self-Funded Captive $499,263
Taft-Hartley −$1,005,729
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$125,315
median five-year savings
-4% expected savings
5th−$1,491,42425th−$580,479 75th$411,53095th$1,646,068
Level-Funded 91% chance of beating Fully Insured
$353,878
median five-year savings
+11% expected savings
5th−$168,51425th$186,042 75th$652,81095th$1,613,344
With additional cost containment: $904K to $1.33M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$499,263
median five-year savings
+15% expected savings
5th$176,46525th$329,367 75th$807,18795th$1,784,770
With additional cost containment: $877K to $1.16M more potential savings; win rate rises to ~100%.
Taft-Hartley 13% chance of beating Fully Insured
−$1,005,729
median five-year savings
-22% expected savings
5th−$1,591,93025th−$1,319,757 75th−$498,52395th$725,740
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$847 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 · $499,263
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 13.23% (proposed, not yet final). Fully-insured renewal expectation used here: 9.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 12.6%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Nebraska 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-Hartley15%
Five-year median savings versus staying Fully Insured
PEO −$590,708
Self-Funded $1,179,090
Self-Funded Captive $1,203,724
Taft-Hartley −$2,049,879
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$590,708
median five-year savings
-8% expected savings
5th−$3,820,60725th−$1,731,372 75th$633,31795th$3,586,307
Self-Funded 96% chance of beating Fully Insured
$1,179,090
median five-year savings
+15% expected savings
5th$44,24125th$771,155 75th$1,755,02895th$3,571,300
With additional cost containment: $1.89M to $2.90M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,203,724
median five-year savings
+16% expected savings
5th$530,90525th$840,840 75th$1,842,26395th$3,828,154
With additional cost containment: $1.90M to $2.51M more potential savings; win rate rises to ~100%.
Taft-Hartley 15% chance of beating Fully Insured
−$2,049,879
median five-year savings
-21% expected savings
5th−$3,623,58625th−$2,843,868 75th−$838,93495th$1,947,469
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$847 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 · $1,203,724
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 13.23% (proposed, not yet final). Fully-insured renewal expectation used here: 9.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 12.6%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Nebraska 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-Hartley17%
Five-year median savings versus staying Fully Insured
PEO −$1,640,070
Self-Funded $2,089,908
Self-Funded Captive $2,170,293
Taft-Hartley −$3,334,122
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,640,070
median five-year savings
-13% expected savings
5th−$7,422,68425th−$3,638,311 75th$616,24695th$5,491,447
Self-Funded 99% chance of beating Fully Insured
$2,089,908
median five-year savings
+16% expected savings
5th$706,16625th$1,501,908 75th$3,090,65895th$5,756,180
With additional cost containment: $3.13M to $4.73M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,170,293
median five-year savings
+17% expected savings
5th$959,79625th$1,535,177 75th$3,283,31395th$6,245,395
With additional cost containment: $3.17M to $4.20M more potential savings; win rate rises to ~100%.
Taft-Hartley 17% chance of beating Fully Insured
−$3,334,122
median five-year savings
-21% expected savings
5th−$6,176,99225th−$4,735,247 75th−$1,277,98695th$3,552,906
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$847 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 · $2,170,293
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 13.23% (proposed, not yet final). Fully-insured renewal expectation used here: 9.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 12.6%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Nebraska 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-Hartley11%
Five-year median savings versus staying Fully Insured
PEO −$3,247,552
Self-Funded $4,037,878
Self-Funded Captive $4,099,401
Taft-Hartley −$6,624,428
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$3,247,552
median five-year savings
-14% expected savings
5th−$14,739,39125th−$6,896,268 75th$478,44595th$7,869,500
Self-Funded 100% chance of beating Fully Insured
$4,037,878
median five-year savings
+16% expected savings
5th$1,649,27225th$2,864,662 75th$5,964,03495th$11,235,730
With additional cost containment: $6.33M to $8.25M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,099,401
median five-year savings
+16% expected savings
5th$1,840,63425th$2,911,529 75th$6,077,09095th$11,440,103
With additional cost containment: $6.35M to $7.70M more potential savings; win rate rises to ~100%.
Taft-Hartley 11% chance of beating Fully Insured
−$6,624,428
median five-year savings
-21% expected savings
5th−$11,523,28925th−$9,082,678 75th−$3,372,12695th$3,364,311
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$847 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 · $4,099,401
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 500 enrolled employees. Actual quotes and underwriting can materially change results.
2027 renewal assumption: 2027 small-group filed rate 13.23% (proposed, not yet final). Fully-insured renewal expectation used here: 9.6% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 12.6%.
2026 analysis vs 2027
For 70-employee groups in Nebraska, the modeled median five-year savings for Self-Funded Captive moved from $455,650 to $499,263, and its modeled chance of beating Fully Insured stayed at 100%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $117,993 → $160,05093% → 96% odds | $93,250 → $131,83178% → 81% odds | Not modeled | Not modeled |
| 30 | $353,978 → $480,15193% → 96% odds | $419,507 → $554,23489% → 91% odds | Not modeled | $384,745 → $507,92592% → 94% odds |
| 70 | −$110,673 → −$125,31544% → 44% odds | $312,531 → $353,87891% → 91% odds | Not modeled | $455,650 → $499,263100% → 100% odds |
| 150 | −$521,688 → −$590,70837% → 37% odds | Not modeled | $1,041,323 → $1,179,09096% → 96% odds | $1,094,626 → $1,203,724100% → 100% odds |
| 250 | −$1,448,442 → −$1,640,07031% → 31% odds | Not modeled | $1,845,720 → $2,089,90899% → 99% odds | $1,969,291 → $2,170,293100% → 100% odds |
| 500 | −$2,868,102 → −$3,247,55227% → 27% odds | Not modeled | $3,566,085 → $4,037,878100% → 100% odds | $3,725,577 → $4,099,401100% → 100% odds |
Fully Insured baseline used: $748 → $847 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 Nebraska 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.