PEO 93% chance of beating Fully Insured
$116,308
median five-year savings
+18% expected savings
5th−$23,34925th$71,407 75th$145,87195th$172,573
South Carolina Health-Plan Funding Guide
South 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 South Carolina market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO93%
Level-Funded77%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $116,308
Level-Funded $90,175
Taft-Hartley −$178,921
5th to 95th percentile 25th to 75th Median
Level-Funded 77% chance of beating Fully Insured
$90,175
median five-year savings
+8% expected savings
5th−$211,19925th$9,477 75th$123,51195th$144,040
With additional cost containment: $120K to $218K more potential savings; win rate rises to ~94%.
Taft-Hartley 0% chance of beating Fully Insured
−$178,921
median five-year savings
-33% expected savings
5th−$209,99925th−$191,221 75th−$165,57295th−$148,089
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$786 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 · $116,308
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 8.65% (proposed, not yet final). Fully-insured renewal expectation used here: 6.7% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 8.7%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 South Carolina market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO93%
Level-Funded88%
Self-Funded Captive91%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $348,925
Level-Funded $418,057
Self-Funded Captive $378,379
Taft-Hartley −$536,762
5th to 95th percentile 25th to 75th Median
PEO 93% chance of beating Fully Insured
$348,925
median five-year savings
+18% expected savings
5th−$70,04825th$214,221 75th$437,61295th$517,718
Level-Funded 88% chance of beating Fully Insured
$418,057
median five-year savings
+20% expected savings
5th−$256,70325th$246,752 75th$492,66395th$553,975
With additional cost containment: $308K to $488K more potential savings; win rate rises to ~99%.
Self-Funded Captive 91% chance of beating Fully Insured
$378,379
median five-year savings
+20% expected savings
5th−$117,12225th$238,644 75th$462,15695th$538,994
With additional cost containment: $315K to $452K more potential savings; win rate rises to ~99%.
Taft-Hartley 0% chance of beating Fully Insured
−$536,762
median five-year savings
-33% expected savings
5th−$629,99725th−$573,663 75th−$496,71795th−$444,266
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$786 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 · $418,057
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 8.65% (proposed, not yet final). Fully-insured renewal expectation used here: 6.7% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 8.7%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 South 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-Hartley7%
Five-year median savings versus staying Fully Insured
PEO −$116,238
Level-Funded $328,246
Self-Funded Captive $472,226
Taft-Hartley −$1,296,650
5th to 95th percentile 25th to 75th Median
PEO 44% chance of beating Fully Insured
−$116,238
median five-year savings
-4% expected savings
5th−$1,383,39425th−$538,433 75th$381,72295th$1,526,837
Level-Funded 91% chance of beating Fully Insured
$328,246
median five-year savings
+11% expected savings
5th−$156,30825th$172,566 75th$605,52595th$1,496,484
With additional cost containment: $838K to $1.23M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$472,226
median five-year savings
+15% expected savings
5th$172,80925th$314,636 75th$757,84695th$1,664,620
With additional cost containment: $811K to $1.07M more potential savings; win rate rises to ~100%.
Taft-Hartley 7% chance of beating Fully Insured
−$1,296,650
median five-year savings
-31% expected savings
5th−$1,839,86725th−$1,588,819 75th−$828,86895th$316,951
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$786 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 · $472,226
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 8.65% (proposed, not yet final). Fully-insured renewal expectation used here: 6.7% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 8.7%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 South 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-Hartley9%
Five-year median savings versus staying Fully Insured
PEO −$547,921
Self-Funded $1,093,684
Self-Funded Captive $1,136,091
Taft-Hartley −$2,681,442
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$547,921
median five-year savings
-8% expected savings
5th−$3,543,86625th−$1,605,963 75th$587,44395th$3,326,538
Self-Funded 96% chance of beating Fully Insured
$1,093,684
median five-year savings
+15% expected savings
5th$41,03625th$715,297 75th$1,627,90595th$3,312,618
With additional cost containment: $1.75M to $2.69M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,136,091
median five-year savings
+16% expected savings
5th$512,00725th$799,492 75th$1,728,37895th$3,570,424
With additional cost containment: $1.76M to $2.33M more potential savings; win rate rises to ~100%.
Taft-Hartley 9% chance of beating Fully Insured
−$2,681,442
median five-year savings
-31% expected savings
5th−$4,142,97225th−$3,416,926 75th−$1,563,55395th$1,025,563
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$786 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 · $1,136,091
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 8.65% (proposed, not yet final). Fully-insured renewal expectation used here: 6.7% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 8.7%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 South 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-Hartley11%
Five-year median savings versus staying Fully Insured
PEO −$1,521,274
Self-Funded $1,938,528
Self-Funded Captive $2,045,686
Taft-Hartley −$4,394,486
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$1,521,274
median five-year savings
-13% expected savings
5th−$6,885,03225th−$3,374,775 75th$571,60995th$5,093,682
Self-Funded 99% chance of beating Fully Insured
$1,938,528
median five-year savings
+16% expected savings
5th$655,01625th$1,393,120 75th$2,866,79195th$5,339,239
With additional cost containment: $2.91M to $4.39M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,045,686
median five-year savings
+17% expected savings
5th$922,86925th$1,456,574 75th$3,078,08695th$5,825,613
With additional cost containment: $2.93M to $3.89M more potential savings; win rate rises to ~100%.
Taft-Hartley 11% chance of beating Fully Insured
−$4,394,486
median five-year savings
-30% expected savings
5th−$7,033,80825th−$5,679,259 75th−$2,481,61595th$1,981,651
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$786 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 · $2,045,686
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 8.65% (proposed, not yet final). Fully-insured renewal expectation used here: 6.7% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 8.7%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 South 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-Hartley6%
Five-year median savings versus staying Fully Insured
PEO −$3,012,320
Self-Funded $3,745,399
Self-Funded Captive $3,867,656
Taft-Hartley −$8,733,661
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$3,012,320
median five-year savings
-14% expected savings
5th−$13,671,76225th−$6,396,746 75th$443,78995th$7,299,483
Self-Funded 100% chance of beating Fully Insured
$3,745,399
median five-year savings
+16% expected savings
5th$1,529,80925th$2,657,164 75th$5,532,03795th$10,421,885
With additional cost containment: $5.87M to $7.65M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,867,656
median five-year savings
+16% expected savings
5th$1,772,50025th$2,765,827 75th$5,702,09495th$10,676,644
With additional cost containment: $5.87M to $7.13M more potential savings; win rate rises to ~100%.
Taft-Hartley 6% chance of beating Fully Insured
−$8,733,661
median five-year savings
-31% expected savings
5th−$13,293,46025th−$11,023,266 75th−$5,725,91895th$492,436
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$786 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 · $3,867,656
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 8.65% (proposed, not yet final). Fully-insured renewal expectation used here: 6.7% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 8.7%.
2026 analysis vs 2027
For 70-employee groups in South Carolina, the modeled median five-year savings for Self-Funded Captive moved from $444,662 to $472,226, and its modeled chance of beating Fully Insured stayed at 100%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $98,132 → $116,30891% → 93% odds | $74,149 → $90,17575% → 77% odds | Not modeled | Not modeled |
| 30 | $294,397 → $348,92591% → 93% odds | $358,201 → $418,05788% → 88% odds | Not modeled | $326,036 → $378,37991% → 91% odds |
| 70 | −$106,983 → −$116,23844% → 44% odds | $302,113 → $328,24691% → 91% odds | Not modeled | $444,662 → $472,226100% → 100% odds |
| 150 | −$504,299 → −$547,92137% → 37% odds | Not modeled | $1,006,612 → $1,093,68496% → 96% odds | $1,067,138 → $1,136,091100% → 100% odds |
| 250 | −$1,400,160 → −$1,521,27431% → 31% odds | Not modeled | $1,784,196 → $1,938,52899% → 99% odds | $1,918,648 → $2,045,686100% → 100% odds |
| 500 | −$2,772,498 → −$3,012,32027% → 27% odds | Not modeled | $3,447,215 → $3,745,399100% → 100% odds | $3,631,391 → $3,867,656100% → 100% odds |
Fully Insured baseline used: $723 → $786 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 South 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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