PEO 95% chance of beating Fully Insured
$181,895
median five-year savings
+21% expected savings
5th−$6,40025th$120,644 75th$221,52795th$257,908
Rhode Island Health-Plan Funding Guide
Rhode Island 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 Rhode Island market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO95%
Taft-Hartley92%
Five-year median savings versus staying Fully Insured
PEO $181,895
Taft-Hartley $33,211
5th to 95th percentile 25th to 75th Median
Taft-Hartley 92% chance of beating Fully Insured
$33,211
median five-year savings
+4% expected savings
5th−$4,81325th$18,565 75th$48,98895th$72,202
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,058 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 · $181,895
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 9.74% (proposed, not yet final). Fully-insured renewal expectation used here: 8.4% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.5%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Rhode Island market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO95%
Taft-Hartley92%
Five-year median savings versus staying Fully Insured
PEO $545,685
Taft-Hartley $99,634
5th to 95th percentile 25th to 75th Median
PEO 95% chance of beating Fully Insured
$545,685
median five-year savings
+21% expected savings
5th−$19,20125th$361,933 75th$664,58195th$773,724
Taft-Hartley 92% chance of beating Fully Insured
$99,634
median five-year savings
+4% expected savings
5th−$14,44025th$55,694 75th$146,96495th$216,606
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,058 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 · $545,685
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 9.74% (proposed, not yet final). Fully-insured renewal expectation used here: 8.4% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.5%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Rhode Island market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO47%
Taft-Hartley55%
Five-year median savings versus staying Fully Insured
PEO −$79,256
Taft-Hartley $81,833
5th to 95th percentile 25th to 75th Median
PEO 47% chance of beating Fully Insured
−$79,256
median five-year savings
-2% expected savings
5th−$1,818,26725th−$648,866 75th$634,75395th$2,287,016
Taft-Hartley 55% chance of beating Fully Insured
$81,833
median five-year savings
+4% expected savings
5th−$697,16125th−$338,398 75th$758,61095th$2,445,069
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,058 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 · ~7% cheaper
Highest modeled five-year medianTaft-Hartley · $81,833
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 9.74% (proposed, not yet final). Fully-insured renewal expectation used here: 8.4% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.5%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Rhode Island market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO40%
Taft-Hartley57%
Five-year median savings versus staying Fully Insured
PEO −$563,940
Taft-Hartley $315,089
5th to 95th percentile 25th to 75th Median
PEO 40% chance of beating Fully Insured
−$563,940
median five-year savings
-7% expected savings
5th−$4,640,30525th−$2,013,730 75th$1,006,70495th$5,082,687
Taft-Hartley 57% chance of beating Fully Insured
$315,089
median five-year savings
+5% expected savings
5th−$1,747,44425th−$725,115 75th$1,919,29495th$5,663,611
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,058 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 costTaft-Hartley · ~3% cheaper
Highest modeled five-year medianTaft-Hartley · $315,089
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 9.74% (proposed, not yet final). Fully-insured renewal expectation used here: 8.4% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.5%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Rhode Island market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO34%
Taft-Hartley57%
Five-year median savings versus staying Fully Insured
PEO −$1,722,250
Taft-Hartley $646,754
5th to 95th percentile 25th to 75th Median
PEO 34% chance of beating Fully Insured
−$1,722,250
median five-year savings
-11% expected savings
5th−$9,005,69525th−$4,342,631 75th$1,237,63095th$7,690,892
Taft-Hartley 57% chance of beating Fully Insured
$646,754
median five-year savings
+5% expected savings
5th−$3,083,61425th−$1,207,357 75th$3,300,62395th$9,641,703
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,058 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 costTaft-Hartley · ~3% cheaper
Highest modeled five-year medianTaft-Hartley · $646,754
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 9.74% (proposed, not yet final). Fully-insured renewal expectation used here: 8.4% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.5%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Rhode Island market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO31%
Taft-Hartley60%
Five-year median savings versus staying Fully Insured
PEO −$3,433,061
Taft-Hartley $1,300,148
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$3,433,061
median five-year savings
-12% expected savings
5th−$17,723,25925th−$8,126,854 75th$1,289,99895th$11,522,153
Taft-Hartley 60% chance of beating Fully Insured
$1,300,148
median five-year savings
+5% expected savings
5th−$5,109,55425th−$1,868,699 75th$5,594,75395th$14,771,736
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,058 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 costTaft-Hartley · ~3% cheaper
Highest modeled five-year medianTaft-Hartley · $1,300,148
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 9.74% (proposed, not yet final). Fully-insured renewal expectation used here: 8.4% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 11.5%.
2026 analysis vs 2027
For 70-employee groups in Rhode Island, the modeled median five-year savings for PEO moved from −$72,221 to −$79,256, and its modeled chance of beating Fully Insured stayed at 47%.
| Employees | PEO |
|---|---|
| 10 | $145,376 → $181,89593% → 95% odds |
| 30 | $436,127 → $545,68593% → 95% odds |
| 70 | −$72,221 → −$79,25647% → 47% odds |
| 150 | −$513,887 → −$563,94040% → 40% odds |
| 250 | −$1,569,391 → −$1,722,25034% → 34% odds |
| 500 | −$3,128,359 → −$3,433,06131% → 31% odds |
Fully Insured baseline used: $964 → $1,058 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 Rhode Island 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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