PEO 94% chance of beating Fully Insured
$184,589
median five-year savings
+21% expected savings
5th−$9,66025th$121,466 75th$225,50495th$263,064
New Hampshire Health-Plan Funding Guide
New Hampshire 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 New Hampshire market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO94%
Taft-Hartley99%
Five-year median savings versus staying Fully Insured
PEO $184,589
Taft-Hartley $54,081
5th to 95th percentile 25th to 75th Median
Taft-Hartley 99% chance of beating Fully Insured
$54,081
median five-year savings
+7% expected savings
5th$15,45725th$39,147 75th$70,13895th$93,984
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,092 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 · $184,589
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 15.23% (proposed, not yet final). Fully-insured renewal expectation used here: 8.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 12.2%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 New Hampshire market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO94%
Taft-Hartley99%
Five-year median savings versus staying Fully Insured
PEO $553,766
Taft-Hartley $162,243
5th to 95th percentile 25th to 75th Median
PEO 94% chance of beating Fully Insured
$553,766
median five-year savings
+21% expected savings
5th−$28,97925th$364,398 75th$676,51395th$789,191
Taft-Hartley 99% chance of beating Fully Insured
$162,243
median five-year savings
+7% expected savings
5th$46,37125th$117,442 75th$210,41495th$281,953
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,092 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 · $553,766
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 15.23% (proposed, not yet final). Fully-insured renewal expectation used here: 8.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 12.2%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 New Hampshire market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO47%
Level-Funded89%
Self-Funded Captive99%
Taft-Hartley64%
Five-year median savings versus staying Fully Insured
PEO −$81,786
Level-Funded $434,860
Self-Funded Captive $590,340
Taft-Hartley $244,528
5th to 95th percentile 25th to 75th Median
PEO 47% chance of beating Fully Insured
−$81,786
median five-year savings
-2% expected savings
5th−$1,876,31225th−$669,580 75th$655,01695th$2,360,025
Level-Funded 89% chance of beating Fully Insured
$434,860
median five-year savings
+11% expected savings
5th−$292,07225th$198,724 75th$889,73095th$2,287,978
With additional cost containment: $1.19M to $1.74M more potential savings; win rate rises to ~100%.
Self-Funded Captive 99% chance of beating Fully Insured
$590,340
median five-year savings
+14% expected savings
5th$124,24325th$344,202 75th$1,043,57095th$2,569,315
With additional cost containment: $1.16M to $1.53M more potential savings; win rate rises to ~100%.
Taft-Hartley 64% chance of beating Fully Insured
$244,528
median five-year savings
+7% expected savings
5th−$560,97325th−$189,228 75th$943,58895th$2,685,325
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,092 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 · $590,340
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 15.23% (proposed, not yet final). Fully-insured renewal expectation used here: 8.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 12.2%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 New Hampshire market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO40%
Self-Funded94%
Self-Funded Captive100%
Taft-Hartley66%
Five-year median savings versus staying Fully Insured
PEO −$581,943
Self-Funded $1,503,809
Self-Funded Captive $1,445,187
Taft-Hartley $668,633
5th to 95th percentile 25th to 75th Median
PEO 40% chance of beating Fully Insured
−$581,943
median five-year savings
-7% expected savings
5th−$4,788,44025th−$2,078,016 75th$1,038,84295th$5,244,943
Self-Funded 94% chance of beating Fully Insured
$1,503,809
median five-year savings
+15% expected savings
5th−$102,35225th$914,498 75th$2,371,36395th$5,148,122
With additional cost containment: $2.48M to $3.81M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,445,187
median five-year savings
+15% expected savings
5th$465,14925th$915,559 75th$2,403,31995th$5,373,143
With additional cost containment: $2.51M to $3.33M more potential savings; win rate rises to ~100%.
Taft-Hartley 66% chance of beating Fully Insured
$668,633
median five-year savings
+8% expected savings
5th−$1,458,65025th−$402,121 75th$2,327,00095th$6,187,151
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,092 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 · $1,503,809
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 15.23% (proposed, not yet final). Fully-insured renewal expectation used here: 8.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 12.2%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 New Hampshire market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO34%
Self-Funded98%
Self-Funded Captive100%
Taft-Hartley66%
Five-year median savings versus staying Fully Insured
PEO −$1,777,230
Self-Funded $2,680,700
Self-Funded Captive $2,658,709
Taft-Hartley $1,235,766
5th to 95th percentile 25th to 75th Median
PEO 34% chance of beating Fully Insured
−$1,777,230
median five-year savings
-11% expected savings
5th−$9,293,18825th−$4,481,263 75th$1,277,13995th$7,936,412
Self-Funded 98% chance of beating Fully Insured
$2,680,700
median five-year savings
+16% expected savings
5th$670,86825th$1,808,119 75th$4,160,79495th$8,239,295
With additional cost containment: $4.12M to $6.23M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,658,709
median five-year savings
+16% expected savings
5th$905,31825th$1,737,754 75th$4,310,52595th$8,689,771
With additional cost containment: $4.21M to $5.54M more potential savings; win rate rises to ~100%.
Taft-Hartley 66% chance of beating Fully Insured
$1,235,766
median five-year savings
+8% expected savings
5th−$2,604,26525th−$671,337 75th$3,983,31095th$10,517,238
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,092 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 · $2,680,700
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 15.23% (proposed, not yet final). Fully-insured renewal expectation used here: 8.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 12.2%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 New Hampshire market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO31%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley69%
Five-year median savings versus staying Fully Insured
PEO −$3,542,656
Self-Funded $5,189,543
Self-Funded Captive $4,960,266
Taft-Hartley $2,485,685
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$3,542,656
median five-year savings
-12% expected savings
5th−$18,289,04625th−$8,386,291 75th$1,331,18095th$11,889,979
Self-Funded 100% chance of beating Fully Insured
$5,189,543
median five-year savings
+16% expected savings
5th$1,667,46925th$3,443,212 75th$8,067,08395th$16,129,424
With additional cost containment: $8.31M to $10.86M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,960,266
median five-year savings
+15% expected savings
5th$1,682,38525th$3,248,591 75th$7,877,33995th$16,145,674
With additional cost containment: $8.42M to $10.21M more potential savings; win rate rises to ~100%.
Taft-Hartley 69% chance of beating Fully Insured
$2,485,685
median five-year savings
+8% expected savings
5th−$4,125,88525th−$774,205 75th$6,928,50295th$16,391,121
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,092 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 · $5,189,543
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 500 enrolled employees. Actual quotes and underwriting can materially change results.
2027 renewal assumption: 2027 small-group filed rate 15.23% (proposed, not yet final). Fully-insured renewal expectation used here: 8.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 12.2%.
2026 analysis vs 2027
For 70-employee groups in New Hampshire, the modeled median five-year savings for Self-Funded Captive moved from $528,968 to $590,340, and its modeled chance of beating Fully Insured stayed at 99%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $136,327 → $184,58992% → 94% odds | Not modeled | Not modeled | Not modeled |
| 30 | $408,982 → $553,76692% → 94% odds | Not modeled | Not modeled | Not modeled |
| 70 | −$70,976 → −$81,78647% → 47% odds | $377,384 → $434,86089% → 89% odds | Not modeled | $528,968 → $590,34099% → 99% odds |
| 150 | −$505,027 → −$581,94340% → 40% odds | Not modeled | $1,305,050 → $1,503,80994% → 94% odds | $1,289,862 → $1,445,187100% → 100% odds |
| 250 | −$1,542,332 → −$1,777,23034% → 34% odds | Not modeled | $2,326,390 → $2,680,70098% → 98% odds | $2,366,783 → $2,658,709100% → 100% odds |
| 500 | −$3,074,422 → −$3,542,65631% → 31% odds | Not modeled | $4,503,639 → $5,189,543100% → 100% odds | $4,423,619 → $4,960,266100% → 100% odds |
Fully Insured baseline used: $947 → $1,092 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 New Hampshire 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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