PEO 95% chance of beating Fully Insured
$167,608
median five-year savings
+22% expected savings
5th$4,98425th$114,759 75th$202,02295th$233,598
Nevada Health-Plan Funding Guide
Nevada 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 Nevada market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO95%
Level-Funded81%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $167,608
Level-Funded $137,101
Taft-Hartley −$58,119
5th to 95th percentile 25th to 75th Median
Level-Funded 81% chance of beating Fully Insured
$137,101
median five-year savings
+13% expected savings
5th−$213,96325th$43,568 75th$175,79695th$200,319
With additional cost containment: $140K to $254K more potential savings; win rate rises to ~96%.
Taft-Hartley 0% chance of beating Fully Insured
−$58,119
median five-year savings
-9% expected savings
5th−$92,87025th−$72,000 75th−$43,48495th−$22,978
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$915 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 · $167,608
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 12.3% (final, approved by the Nevada Division of Insurance). Fully-insured renewal expectation used here: 9.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.6%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Nevada 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-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $502,823
Level-Funded $582,663
Self-Funded Captive $528,557
Taft-Hartley −$174,356
5th to 95th percentile 25th to 75th Median
PEO 95% chance of beating Fully Insured
$502,823
median five-year savings
+22% expected savings
5th$14,95325th$344,276 75th$606,06695th$700,793
Level-Funded 91% chance of beating Fully Insured
$582,663
median five-year savings
+24% expected savings
5th−$200,91325th$384,740 75th$670,56395th$740,589
With additional cost containment: $358K to $568K more potential savings; win rate rises to ~100%.
Self-Funded Captive 94% chance of beating Fully Insured
$528,557
median five-year savings
+23% expected savings
5th−$49,53525th$366,029 75th$625,37295th$714,944
With additional cost containment: $370K to $528K more potential savings; win rate rises to ~100%.
Taft-Hartley 0% chance of beating Fully Insured
−$174,356
median five-year savings
-9% expected savings
5th−$278,60925th−$216,000 75th−$130,45295th−$68,934
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$915 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 · $582,663
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 12.3% (final, approved by the Nevada Division of Insurance). Fully-insured renewal expectation used here: 9.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.6%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Nevada 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-Hartley21%
Five-year median savings versus staying Fully Insured
PEO −$135,333
Level-Funded $382,169
Self-Funded Captive $529,104
Taft-Hartley −$682,099
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$135,333
median five-year savings
-4% expected savings
5th−$1,610,65625th−$626,885 75th$444,43095th$1,777,664
Level-Funded 91% chance of beating Fully Insured
$382,169
median five-year savings
+11% expected savings
5th−$181,98625th$200,915 75th$704,99995th$1,742,324
With additional cost containment: $976K to $1.43M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$529,104
median five-year savings
+15% expected savings
5th$180,49925th$345,625 75th$861,64595th$1,917,382
With additional cost containment: $949K to $1.26M more potential savings; win rate rises to ~100%.
Taft-Hartley 21% chance of beating Fully Insured
−$682,099
median five-year savings
-13% expected savings
5th−$1,315,94925th−$1,022,955 75th−$137,38495th$1,183,267
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$915 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 · $529,104
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 12.3% (final, approved by the Nevada Division of Insurance). Fully-insured renewal expectation used here: 9.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.6%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Nevada 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-Hartley24%
Five-year median savings versus staying Fully Insured
PEO −$637,932
Self-Funded $1,273,353
Self-Funded Captive $1,278,371
Taft-Hartley −$1,352,041
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$637,932
median five-year savings
-8% expected savings
5th−$4,126,04725th−$1,869,788 75th$683,94795th$3,873,016
Self-Funded 96% chance of beating Fully Insured
$1,273,353
median five-year savings
+15% expected savings
5th$47,77825th$832,805 75th$1,895,33595th$3,856,809
With additional cost containment: $2.04M to $3.13M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,278,371
median five-year savings
+16% expected savings
5th$551,76325th$886,476 75th$1,967,95895th$4,112,612
With additional cost containment: $2.06M to $2.72M more potential savings; win rate rises to ~100%.
Taft-Hartley 24% chance of beating Fully Insured
−$1,352,041
median five-year savings
-12% expected savings
5th−$3,055,55225th−$2,203,244 75th−$41,88195th$2,952,755
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$915 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 · $1,278,371
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 12.3% (final, approved by the Nevada Division of Insurance). Fully-insured renewal expectation used here: 9.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.6%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Nevada 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-Hartley25%
Five-year median savings versus staying Fully Insured
PEO −$1,771,187
Self-Funded $2,256,987
Self-Funded Captive $2,307,823
Taft-Hartley −$2,165,796
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,771,187
median five-year savings
-13% expected savings
5th−$8,016,09425th−$3,929,178 75th$665,51295th$5,930,464
Self-Funded 99% chance of beating Fully Insured
$2,256,987
median five-year savings
+16% expected savings
5th$762,62125th$1,621,979 75th$3,337,74295th$6,216,360
With additional cost containment: $3.38M to $5.11M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,307,823
median five-year savings
+17% expected savings
5th$1,000,55225th$1,621,932 75th$3,509,82395th$6,708,710
With additional cost containment: $3.43M to $4.55M more potential savings; win rate rises to ~100%.
Taft-Hartley 25% chance of beating Fully Insured
−$2,165,796
median five-year savings
-12% expected savings
5th−$5,228,12425th−$3,677,464 75th$38,09195th$5,296,225
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$915 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 · $2,307,823
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 12.3% (final, approved by the Nevada Division of Insurance). Fully-insured renewal expectation used here: 9.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.6%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Nevada 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-Hartley21%
Five-year median savings versus staying Fully Insured
PEO −$3,507,179
Self-Funded $4,360,687
Self-Funded Captive $4,355,178
Taft-Hartley −$4,299,453
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$3,507,179
median five-year savings
-14% expected savings
5th−$15,917,73825th−$7,447,593 75th$516,69495th$8,498,631
Self-Funded 100% chance of beating Fully Insured
$4,360,687
median five-year savings
+16% expected savings
5th$1,781,12425th$3,093,678 75th$6,440,83195th$12,133,975
With additional cost containment: $6.84M to $8.91M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,355,178
median five-year savings
+16% expected savings
5th$1,915,83325th$3,072,342 75th$6,490,97595th$12,282,736
With additional cost containment: $6.88M to $8.34M more potential savings; win rate rises to ~100%.
Taft-Hartley 21% chance of beating Fully Insured
−$4,299,453
median five-year savings
-12% expected savings
5th−$9,569,17825th−$6,931,115 75th−$810,93795th$6,527,225
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$915 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 · $4,360,687
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 12.3% (final, approved by the Nevada Division of Insurance). Fully-insured renewal expectation used here: 9.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.6%.
2026 analysis vs 2027
For 70-employee groups in Nevada, the modeled median five-year savings for Self-Funded Captive moved from $484,953 to $529,104, and its modeled chance of beating Fully Insured stayed at 100%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $120,584 → $167,60893% → 95% odds | $93,490 → $137,10177% → 81% odds | Not modeled | Not modeled |
| 30 | $361,751 → $502,82393% → 95% odds | $433,424 → $582,66388% → 91% odds | Not modeled | $390,302 → $528,55791% → 94% odds |
| 70 | −$120,510 → −$135,33344% → 44% odds | $340,311 → $382,16991% → 91% odds | Not modeled | $484,953 → $529,104100% → 100% odds |
| 150 | −$568,061 → −$637,93237% → 37% odds | Not modeled | $1,133,885 → $1,273,35396% → 96% odds | $1,167,926 → $1,278,371100% → 100% odds |
| 250 | −$1,577,192 → −$1,771,18731% → 31% odds | Not modeled | $2,009,783 → $2,256,98799% → 99% odds | $2,104,339 → $2,307,823100% → 100% odds |
| 500 | −$3,123,044 → −$3,507,17927% → 27% odds | Not modeled | $3,883,070 → $4,360,687100% → 100% odds | $3,976,739 → $4,355,178100% → 100% odds |
Fully Insured baseline used: $814 → $915 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 Nevada 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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