PEO 96% chance of beating Fully Insured
$218,596
median five-year savings
+23% expected savings
5th$17,25125th$153,228 75th$261,29095th$300,503
New York Health-Plan Funding Guide
New York 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 New York market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO96%
Taft-Hartley100%
Five-year median savings versus staying Fully Insured
PEO $218,596
Taft-Hartley $109,218
5th to 95th percentile 25th to 75th Median
Taft-Hartley 100% chance of beating Fully Insured
$109,218
median five-year savings
+13% expected savings
5th$69,17825th$93,396 75th$126,30895th$151,686
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,131 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 · $218,596
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Fully insured only for alternative funding: New York groups under 100 employees: self-funded, level-funded and self-funded captive are not offered, so no savings, win-rate or cost-containment figures are shown for them. Fully insured is the baseline; PEO and Taft-Hartley are shown for comparison.
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 8% (final, approved by the New York Department of Financial Services). Fully-insured renewal expectation used here: 9.9% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.5%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 New York market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO96%
Taft-Hartley100%
Five-year median savings versus staying Fully Insured
PEO $655,789
Taft-Hartley $327,655
5th to 95th percentile 25th to 75th Median
PEO 96% chance of beating Fully Insured
$655,789
median five-year savings
+23% expected savings
5th$51,75225th$459,685 75th$783,87195th$901,508
Taft-Hartley 100% chance of beating Fully Insured
$327,655
median five-year savings
+13% expected savings
5th$207,53325th$280,188 75th$378,92395th$455,059
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,131 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 · $655,789
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Fully insured only for alternative funding: New York groups under 100 employees: self-funded, level-funded and self-funded captive are not offered, so no savings, win-rate or cost-containment figures are shown for them. Fully insured is the baseline; PEO and Taft-Hartley are shown for comparison.
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 8% (final, approved by the New York Department of Financial Services). Fully-insured renewal expectation used here: 9.9% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.5%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 New York market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO68%
Taft-Hartley100%
Five-year median savings versus staying Fully Insured
PEO $352,870
Taft-Hartley $764,528
5th to 95th percentile 25th to 75th Median
PEO 68% chance of beating Fully Insured
$352,870
median five-year savings
+2% expected savings
5th−$1,455,02225th−$211,582 75th$724,02295th$1,057,450
Taft-Hartley 100% chance of beating Fully Insured
$764,528
median five-year savings
+13% expected savings
5th$484,24425th$653,772 75th$884,15395th$1,061,804
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,131 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 costTaft-Hartley · ~9% cheaper
Highest modeled five-year medianTaft-Hartley · $764,528
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Fully insured only for alternative funding: New York groups under 100 employees: self-funded, level-funded and self-funded captive are not offered, so no savings, win-rate or cost-containment figures are shown for them. Fully insured is the baseline; PEO and Taft-Hartley are shown for comparison.
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 8% (final, approved by the New York Department of Financial Services). Fully-insured renewal expectation used here: 9.9% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.5%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 New York 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-Hartley74%
Five-year median savings versus staying Fully Insured
PEO −$602,843
Self-Funded $1,557,817
Self-Funded Captive $1,487,393
Taft-Hartley $1,073,155
5th to 95th percentile 25th to 75th Median
PEO 40% chance of beating Fully Insured
−$602,843
median five-year savings
-7% expected savings
5th−$4,960,41425th−$2,152,646 75th$1,076,15195th$5,433,313
Self-Funded 94% chance of beating Fully Insured
$1,557,817
median five-year savings
+15% expected savings
5th−$106,02825th$947,342 75th$2,456,52995th$5,333,014
With additional cost containment: $2.57M to $3.95M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,487,393
median five-year savings
+15% expected savings
5th$472,15825th$938,744 75th$2,479,93695th$5,556,420
With additional cost containment: $2.61M to $3.45M more potential savings; win rate rises to ~100%.
Taft-Hartley 74% chance of beating Fully Insured
$1,073,155
median five-year savings
+11% expected savings
5th−$1,119,19425th−$28,655 75th$2,799,86995th$6,794,946
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,131 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 · $1,557,817
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 8% (final, approved by the New York Department of Financial Services). Fully-insured renewal expectation used here: 9.9% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.5%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 New York 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-Hartley74%
Five-year median savings versus staying Fully Insured
PEO −$1,841,058
Self-Funded $2,776,975
Self-Funded Captive $2,738,034
Taft-Hartley $1,921,218
5th to 95th percentile 25th to 75th Median
PEO 34% chance of beating Fully Insured
−$1,841,058
median five-year savings
-11% expected savings
5th−$9,626,94725th−$4,642,205 75th$1,323,00795th$8,221,443
Self-Funded 98% chance of beating Fully Insured
$2,776,975
median five-year savings
+16% expected savings
5th$694,96225th$1,873,057 75th$4,310,22695th$8,535,205
With additional cost containment: $4.27M to $6.45M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,738,034
median five-year savings
+16% expected savings
5th$921,67125th$1,784,003 75th$4,449,17395th$8,985,698
With additional cost containment: $4.36M to $5.75M more potential savings; win rate rises to ~100%.
Taft-Hartley 74% chance of beating Fully Insured
$1,921,218
median five-year savings
+11% expected savings
5th−$2,047,00125th−$51,261 75th$4,774,48295th$11,533,676
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,131 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 · $2,776,975
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 8% (final, approved by the New York Department of Financial Services). Fully-insured renewal expectation used here: 9.9% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.5%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 New York 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-Hartley78%
Five-year median savings versus staying Fully Insured
PEO −$3,669,888
Self-Funded $5,375,923
Self-Funded Captive $5,106,088
Taft-Hartley $3,876,682
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$3,669,888
median five-year savings
-12% expected savings
5th−$18,945,88725th−$8,687,480 75th$1,378,98895th$12,317,001
Self-Funded 100% chance of beating Fully Insured
$5,375,923
median five-year savings
+16% expected savings
5th$1,727,35525th$3,566,873 75th$8,356,80895th$16,708,703
With additional cost containment: $8.61M to $11.25M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$5,106,088
median five-year savings
+15% expected savings
5th$1,710,48425th$3,332,939 75th$8,127,92795th$16,693,213
With additional cost containment: $8.73M to $10.59M more potential savings; win rate rises to ~100%.
Taft-Hartley 78% chance of beating Fully Insured
$3,876,682
median five-year savings
+11% expected savings
5th−$2,983,15825th$486,644 75th$8,472,72795th$18,264,743
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,131 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 · $5,375,923
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 8% (final, approved by the New York Department of Financial Services). Fully-insured renewal expectation used here: 9.9% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.5%.
2026 analysis vs 2027
For 70-employee groups in New York, the modeled median five-year savings for PEO moved from $274,086 to $352,870, and its modeled chance of beating Fully Insured moved from 65% to 68%.
| Employees | PEO | Self-Funded | Self-Funded Captive |
|---|---|---|---|
| 10 | $194,911 → $218,59695% → 96% odds | Not modeled | Not modeled |
| 30 | $584,734 → $655,78995% → 96% odds | Not modeled | Not modeled |
| 70 | $274,086 → $352,87065% → 68% odds | Not modeled | Not modeled |
| 150 | −$558,188 → −$602,84340% → 40% odds | $1,442,423 → $1,557,81794% → 94% odds | $1,397,216 → $1,487,393100% → 100% odds |
| 250 | −$1,704,683 → −$1,841,05834% → 34% odds | $2,571,273 → $2,776,97598% → 98% odds | $2,568,550 → $2,738,034100% → 100% odds |
| 500 | −$3,398,045 → −$3,669,88831% → 31% odds | $4,977,706 → $5,375,923100% → 100% odds | $4,794,526 → $5,106,088100% → 100% odds |
Fully Insured baseline used: $1,047 → $1,131 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 New York 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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