PEO 95% chance of beating Fully Insured
$169,697
median five-year savings
+23% expected savings
5th$7,61525th$116,988 75th$204,01095th$235,483
North Carolina Health-Plan Funding Guide
North Carolina 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 North Carolina 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 $169,697
Level-Funded $139,282
Taft-Hartley −$57,623
5th to 95th percentile 25th to 75th Median
Level-Funded 81% chance of beating Fully Insured
$139,282
median five-year savings
+13% expected savings
5th−$210,67725th$46,141 75th$177,82995th$202,324
With additional cost containment: $140K to $253K more potential savings; win rate rises to ~96%.
Taft-Hartley 0% chance of beating Fully Insured
−$57,623
median five-year savings
-9% expected savings
5th−$92,37725th−$71,511 75th−$42,98595th−$22,470
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$912 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 · $169,697
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 20.55% (proposed, not yet final). Fully-insured renewal expectation used here: 9.4% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 15.5%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 North Carolina 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 $509,092
Level-Funded $588,691
Self-Funded Captive $534,713
Taft-Hartley −$172,868
5th to 95th percentile 25th to 75th Median
PEO 95% chance of beating Fully Insured
$509,092
median five-year savings
+23% expected savings
5th$22,84425th$350,965 75th$612,03095th$706,450
Level-Funded 91% chance of beating Fully Insured
$588,691
median five-year savings
+24% expected savings
5th−$192,25225th$391,428 75th$676,37695th$745,986
With additional cost containment: $357K to $566K more potential savings; win rate rises to ~100%.
Self-Funded Captive 94% chance of beating Fully Insured
$534,713
median five-year savings
+23% expected savings
5th−$41,36025th$372,567 75th$631,66695th$720,586
With additional cost containment: $368K to $527K more potential savings; win rate rises to ~100%.
Taft-Hartley 0% chance of beating Fully Insured
−$172,868
median five-year savings
-9% expected savings
5th−$277,13225th−$214,532 75th−$128,95495th−$67,409
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$912 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 · $588,691
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 20.55% (proposed, not yet final). Fully-insured renewal expectation used here: 9.4% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 15.5%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 North Carolina 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-Hartley20%
Five-year median savings versus staying Fully Insured
PEO −$134,898
Level-Funded $380,942
Self-Funded Captive $527,809
Taft-Hartley −$696,369
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$134,898
median five-year savings
-4% expected savings
5th−$1,605,48325th−$624,872 75th$443,00395th$1,771,954
Level-Funded 91% chance of beating Fully Insured
$380,942
median five-year savings
+11% expected savings
5th−$181,40225th$200,270 75th$702,73595th$1,736,727
With additional cost containment: $973K to $1.43M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$527,809
median five-year savings
+15% expected savings
5th$180,32425th$344,919 75th$859,28295th$1,911,628
With additional cost containment: $946K to $1.25M more potential savings; win rate rises to ~100%.
Taft-Hartley 20% chance of beating Fully Insured
−$696,369
median five-year savings
-13% expected savings
5th−$1,327,67325th−$1,035,811 75th−$153,10095th$1,162,981
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$912 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 · $527,809
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 70 enrolled employees. Actual quotes and underwriting can materially change results.
2027 renewal assumption: 2027 small-group filed rate 20.55% (proposed, not yet final). Fully-insured renewal expectation used here: 9.4% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 15.5%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 North Carolina 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 −$635,883
Self-Funded $1,269,263
Self-Funded Captive $1,275,132
Taft-Hartley −$1,382,221
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$635,883
median five-year savings
-8% expected savings
5th−$4,112,79425th−$1,863,782 75th$681,75095th$3,860,576
Self-Funded 96% chance of beating Fully Insured
$1,269,263
median five-year savings
+15% expected savings
5th$47,62425th$830,130 75th$1,889,24795th$3,844,421
With additional cost containment: $2.04M to $3.12M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,275,132
median five-year savings
+16% expected savings
5th$550,85825th$884,496 75th$1,962,50495th$4,100,269
With additional cost containment: $2.05M to $2.71M more potential savings; win rate rises to ~100%.
Taft-Hartley 24% chance of beating Fully Insured
−$1,382,221
median five-year savings
-13% expected savings
5th−$3,080,75225th−$2,231,354 75th−$76,70295th$2,909,136
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$912 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 · $1,275,132
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 20.55% (proposed, not yet final). Fully-insured renewal expectation used here: 9.4% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 15.5%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 North Carolina 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 −$1,765,497
Self-Funded $2,249,737
Self-Funded Captive $2,301,856
Taft-Hartley −$2,216,720
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,765,497
median five-year savings
-13% expected savings
5th−$7,990,34625th−$3,916,557 75th$663,37595th$5,911,415
Self-Funded 99% chance of beating Fully Insured
$2,249,737
median five-year savings
+16% expected savings
5th$760,17125th$1,616,769 75th$3,327,02195th$6,196,393
With additional cost containment: $3.37M to $5.09M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,301,856
median five-year savings
+17% expected savings
5th$998,78325th$1,618,168 75th$3,499,99595th$6,688,607
With additional cost containment: $3.42M to $4.53M more potential savings; win rate rises to ~100%.
Taft-Hartley 25% chance of beating Fully Insured
−$2,216,720
median five-year savings
-12% expected savings
5th−$5,269,99325th−$3,722,496 75th−$19,44195th$5,220,582
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$912 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 · $2,301,856
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 20.55% (proposed, not yet final). Fully-insured renewal expectation used here: 9.4% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 15.5%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 North Carolina 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 −$3,495,913
Self-Funded $4,346,681
Self-Funded Captive $4,344,080
Taft-Hartley −$4,401,177
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$3,495,913
median five-year savings
-14% expected savings
5th−$15,866,60925th−$7,423,671 75th$515,03595th$8,471,333
Self-Funded 100% chance of beating Fully Insured
$4,346,681
median five-year savings
+16% expected savings
5th$1,775,40225th$3,083,741 75th$6,420,14395th$12,095,000
With additional cost containment: $6.82M to $8.88M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,344,080
median five-year savings
+16% expected savings
5th$1,912,57025th$3,065,364 75th$6,473,01695th$12,246,174
With additional cost containment: $6.85M to $8.31M more potential savings; win rate rises to ~100%.
Taft-Hartley 21% chance of beating Fully Insured
−$4,401,177
median five-year savings
-13% expected savings
5th−$9,656,34125th−$7,025,536 75th−$924,11695th$6,391,382
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$912 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 · $4,346,681
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 20.55% (proposed, not yet final). Fully-insured renewal expectation used here: 9.4% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 15.5%.
2026 analysis vs 2027
For 70-employee groups in North Carolina, the modeled median five-year savings for Self-Funded Captive moved from $459,313 to $527,809, and its modeled chance of beating Fully Insured stayed at 100%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $101,666 → $169,69791% → 95% odds | $76,541 → $139,28275% → 81% odds | Not modeled | Not modeled |
| 30 | $304,998 → $509,09291% → 95% odds | $371,601 → $588,69188% → 91% odds | Not modeled | $335,556 → $534,71390% → 94% odds |
| 70 | −$111,902 → −$134,89844% → 44% odds | $316,003 → $380,94291% → 91% odds | Not modeled | $459,313 → $527,809100% → 100% odds |
| 150 | −$527,485 → −$635,88337% → 37% odds | Not modeled | $1,052,893 → $1,269,26396% → 96% odds | $1,103,788 → $1,275,132100% → 100% odds |
| 250 | −$1,464,535 → −$1,765,49731% → 31% odds | Not modeled | $1,866,228 → $2,249,73799% → 99% odds | $1,986,172 → $2,301,856100% → 100% odds |
| 500 | −$2,899,970 → −$3,495,91327% → 27% odds | Not modeled | $3,605,708 → $4,346,681100% → 100% odds | $3,756,972 → $4,344,080100% → 100% odds |
Fully Insured baseline used: $756 → $912 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 North Carolina 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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