PEO 96% chance of beating Fully Insured
$162,220
median five-year savings
+24% expected savings
5th$14,90325th$114,399 75th$193,45095th$222,117
Oklahoma Health-Plan Funding Guide
Oklahoma 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 Oklahoma market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO96%
Level-Funded82%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $162,220
Level-Funded $134,644
Taft-Hartley −$110,841
5th to 95th percentile 25th to 75th Median
Level-Funded 82% chance of beating Fully Insured
$134,644
median five-year savings
+14% expected savings
5th−$182,72225th$50,571 75th$169,57895th$191,949
With additional cost containment: $127K to $230K more potential savings; win rate rises to ~96%.
Taft-Hartley 0% chance of beating Fully Insured
−$110,841
median five-year savings
-18% expected savings
5th−$143,96525th−$124,057 75th−$96,81395th−$77,687
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$827 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 · $162,220
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 17.03% (proposed, not yet final). Fully-insured renewal expectation used here: 10.1% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 14.6%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Oklahoma market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO96%
Level-Funded92%
Self-Funded Captive95%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $486,659
Level-Funded $558,961
Self-Funded Captive $515,259
Taft-Hartley −$332,523
5th to 95th percentile 25th to 75th Median
PEO 96% chance of beating Fully Insured
$486,659
median five-year savings
+24% expected savings
5th$44,70825th$343,197 75th$580,35095th$666,352
Level-Funded 92% chance of beating Fully Insured
$558,961
median five-year savings
+25% expected savings
5th−$149,56925th$379,598 75th$638,58695th$701,752
With additional cost containment: $324K to $514K more potential savings; win rate rises to ~100%.
Self-Funded Captive 95% chance of beating Fully Insured
$515,259
median five-year savings
+25% expected savings
5th−$7,11425th$367,773 75th$603,45095th$683,524
With additional cost containment: $333K to $476K more potential savings; win rate rises to ~100%.
Taft-Hartley 0% chance of beating Fully Insured
−$332,523
median five-year savings
-18% expected savings
5th−$431,89525th−$372,170 75th−$290,43995th−$233,062
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$827 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 · $558,961
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 17.03% (proposed, not yet final). Fully-insured renewal expectation used here: 10.1% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 14.6%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Oklahoma 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-Hartley11%
Five-year median savings versus staying Fully Insured
PEO −$122,325
Level-Funded $345,435
Self-Funded Captive $490,357
Taft-Hartley −$1,101,995
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$122,325
median five-year savings
-4% expected savings
5th−$1,455,83825th−$566,629 75th$401,71195th$1,606,793
Level-Funded 91% chance of beating Fully Insured
$345,435
median five-year savings
+11% expected savings
5th−$164,49425th$181,603 75th$637,23495th$1,574,850
With additional cost containment: $882K to $1.29M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$490,357
median five-year savings
+15% expected savings
5th$175,26125th$324,514 75th$790,93495th$1,745,192
With additional cost containment: $855K to $1.13M more potential savings; win rate rises to ~100%.
Taft-Hartley 11% chance of beating Fully Insured
−$1,101,995
median five-year savings
-25% expected savings
5th−$1,673,45925th−$1,408,684 75th−$607,39495th$591,594
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$827 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 · $490,357
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 17.03% (proposed, not yet final). Fully-insured renewal expectation used here: 10.1% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 14.6%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Oklahoma 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-Hartley13%
Five-year median savings versus staying Fully Insured
PEO −$576,614
Self-Funded $1,150,957
Self-Funded Captive $1,181,445
Taft-Hartley −$2,258,898
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$576,614
median five-year savings
-8% expected savings
5th−$3,729,44725th−$1,690,062 75th$618,20695th$3,500,738
Self-Funded 96% chance of beating Fully Insured
$1,150,957
median five-year savings
+15% expected savings
5th$43,18525th$752,755 75th$1,713,15395th$3,486,089
With additional cost containment: $1.85M to $2.83M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,181,445
median five-year savings
+16% expected savings
5th$524,68025th$827,220 75th$1,804,74995th$3,743,256
With additional cost containment: $1.85M to $2.45M more potential savings; win rate rises to ~100%.
Taft-Hartley 13% chance of beating Fully Insured
−$2,258,898
median five-year savings
-24% expected savings
5th−$3,797,56325th−$3,033,996 75th−$1,078,66395th$1,643,805
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$827 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 · $1,181,445
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 17.03% (proposed, not yet final). Fully-insured renewal expectation used here: 10.1% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 14.6%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Oklahoma 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-Hartley15%
Five-year median savings versus staying Fully Insured
PEO −$1,600,938
Self-Funded $2,040,043
Self-Funded Captive $2,129,247
Taft-Hartley −$3,679,273
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,600,938
median five-year savings
-13% expected savings
5th−$7,245,57925th−$3,551,501 75th$601,54395th$5,360,422
Self-Funded 99% chance of beating Fully Insured
$2,040,043
median five-year savings
+16% expected savings
5th$689,31725th$1,466,073 75th$3,016,91595th$5,618,838
With additional cost containment: $3.06M to $4.62M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,129,247
median five-year savings
+17% expected savings
5th$947,63225th$1,509,285 75th$3,215,71095th$6,107,117
With additional cost containment: $3.09M to $4.10M more potential savings; win rate rises to ~100%.
Taft-Hartley 15% chance of beating Fully Insured
−$3,679,273
median five-year savings
-24% expected savings
5th−$6,456,70525th−$5,051,195 75th−$1,672,49895th$3,034,159
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$827 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 · $2,129,247
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 17.03% (proposed, not yet final). Fully-insured renewal expectation used here: 10.1% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 14.6%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Oklahoma 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-Hartley9%
Five-year median savings versus staying Fully Insured
PEO −$3,170,065
Self-Funded $3,941,534
Self-Funded Captive $4,023,063
Taft-Hartley −$7,314,410
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$3,170,065
median five-year savings
-14% expected savings
5th−$14,387,70925th−$6,731,723 75th$467,02995th$7,681,734
Self-Funded 100% chance of beating Fully Insured
$3,941,534
median five-year savings
+16% expected savings
5th$1,609,92025th$2,796,311 75th$5,821,73295th$10,967,646
With additional cost containment: $6.18M to $8.05M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,023,063
median five-year savings
+16% expected savings
5th$1,818,19025th$2,863,534 75th$5,953,56595th$11,188,616
With additional cost containment: $6.19M to $7.51M more potential savings; win rate rises to ~100%.
Taft-Hartley 9% chance of beating Fully Insured
−$7,314,410
median five-year savings
-24% expected savings
5th−$12,113,06825th−$9,721,168 75th−$4,160,43095th$2,418,860
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$827 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 · $4,023,063
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 17.03% (proposed, not yet final). Fully-insured renewal expectation used here: 10.1% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 14.6%.
2026 analysis vs 2027
For 70-employee groups in Oklahoma, the modeled median five-year savings for Self-Funded Captive moved from $437,336 to $490,357, and its modeled chance of beating Fully Insured stayed at 100%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $111,438 → $162,22093% → 96% odds | $88,069 → $134,64478% → 82% odds | Not modeled | Not modeled |
| 30 | $334,313 → $486,65993% → 96% odds | $396,201 → $558,96189% → 92% odds | Not modeled | $366,370 → $515,25992% → 95% odds |
| 70 | −$104,524 → −$122,32544% → 44% odds | $295,168 → $345,43591% → 91% odds | Not modeled | $437,336 → $490,357100% → 100% odds |
| 150 | −$492,706 → −$576,61437% → 37% odds | Not modeled | $983,472 → $1,150,95796% → 96% odds | $1,048,813 → $1,181,445100% → 100% odds |
| 250 | −$1,367,973 → −$1,600,93831% → 31% odds | Not modeled | $1,743,180 → $2,040,04399% → 99% odds | $1,884,886 → $2,129,247100% → 100% odds |
| 500 | −$2,708,763 → −$3,170,06527% → 27% odds | Not modeled | $3,367,969 → $3,941,534100% → 100% odds | $3,568,600 → $4,023,063100% → 100% odds |
Fully Insured baseline used: $706 → $827 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 Oklahoma 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.