PEO 94% chance of beating Fully Insured
$139,620
median five-year savings
+21% expected savings
5th−$7,30725th$91,875 75th$170,56895th$198,977
Utah Health-Plan Funding Guide
Utah 2027 funding analysis by employer size
Plan year 2027 Rates used: PY2027 final 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 Utah market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO94%
Level-Funded81%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $139,620
Level-Funded $124,691
Taft-Hartley −$133,926
5th to 95th percentile 25th to 75th Median
Level-Funded 81% chance of beating Fully Insured
$124,691
median five-year savings
+13% expected savings
5th−$181,96025th$43,037 75th$158,31395th$179,754
With additional cost containment: $125K to $222K more potential savings; win rate rises to ~96%.
Taft-Hartley 0% chance of beating Fully Insured
−$133,926
median five-year savings
-23% expected savings
5th−$166,59225th−$146,910 75th−$120,30595th−$101,637
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$826 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final rates$0 saved
Day-one and five-year context
Lowest modeled day-one costPEO · ~28% cheaper
Highest modeled five-year medianPEO · $139,620
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 10.4% (final, per the state regulator). Fully-insured renewal expectation used here: 8.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.6%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Utah market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO94%
Level-Funded91%
Self-Funded Captive94%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $418,859
Level-Funded $525,291
Self-Funded Captive $485,131
Taft-Hartley −$401,779
5th to 95th percentile 25th to 75th Median
PEO 94% chance of beating Fully Insured
$418,859
median five-year savings
+21% expected savings
5th−$21,92025th$275,624 75th$511,70395th$596,930
Level-Funded 91% chance of beating Fully Insured
$525,291
median five-year savings
+25% expected savings
5th−$160,15325th$352,265 75th$601,63295th$662,144
With additional cost containment: $315K to $498K more potential savings; win rate rises to ~100%.
Self-Funded Captive 94% chance of beating Fully Insured
$485,131
median five-year savings
+24% expected savings
5th−$24,78725th$341,838 75th$570,25795th$647,380
With additional cost containment: $323K to $463K more potential savings; win rate rises to ~99%.
Taft-Hartley 0% chance of beating Fully Insured
−$401,779
median five-year savings
-23% expected savings
5th−$499,77625th−$440,730 75th−$360,91595th−$304,912
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$826 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final rates$0 saved
Day-one and five-year context
Lowest modeled day-one costPEO · ~28% cheaper
Highest modeled five-year medianLevel-Funded · $525,291
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 10.4% (final, per the state regulator). Fully-insured renewal expectation used here: 8.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.6%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Utah market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO38%
Level-Funded93%
Self-Funded Captive100%
Taft-Hartley7%
Five-year median savings versus staying Fully Insured
PEO −$205,467
Level-Funded $361,825
Self-Funded Captive $506,791
Taft-Hartley −$1,198,994
5th to 95th percentile 25th to 75th Median
PEO 38% chance of beating Fully Insured
−$205,467
median five-year savings
-7% expected savings
5th−$1,539,92025th−$642,781 75th$273,28895th$1,268,663
Level-Funded 93% chance of beating Fully Insured
$361,825
median five-year savings
+11% expected savings
5th−$95,49025th$234,468 75th$587,58895th$1,308,089
With additional cost containment: $853K to $1.26M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$506,791
median five-year savings
+15% expected savings
5th$253,39825th$374,231 75th$736,20295th$1,455,103
With additional cost containment: $829K to $1.10M more potential savings; win rate rises to ~100%.
Taft-Hartley 7% chance of beating Fully Insured
−$1,198,994
median five-year savings
-28% expected savings
5th−$1,719,23825th−$1,472,688 75th−$774,24195th$203,965
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$826 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final rates$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded Captive · ~11% cheaper
Highest modeled five-year medianSelf-Funded Captive · $506,791
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 10.4% (final, per the state regulator). Fully-insured renewal expectation used here: 8.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.6%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Utah market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO31%
Self-Funded97%
Self-Funded Captive100%
Taft-Hartley9%
Five-year median savings versus staying Fully Insured
PEO −$785,526
Self-Funded $1,172,432
Self-Funded Captive $1,203,291
Taft-Hartley −$2,489,112
5th to 95th percentile 25th to 75th Median
PEO 31% chance of beating Fully Insured
−$785,526
median five-year savings
-11% expected savings
5th−$3,910,85125th−$1,860,190 75th$315,15895th$2,853,052
Self-Funded 97% chance of beating Fully Insured
$1,172,432
median five-year savings
+15% expected savings
5th$219,16625th$842,529 75th$1,604,32395th$2,898,807
With additional cost containment: $1.79M to $2.73M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,203,291
median five-year savings
+16% expected savings
5th$667,48125th$916,746 75th$1,689,80595th$3,198,301
With additional cost containment: $1.79M to $2.38M more potential savings; win rate rises to ~100%.
Taft-Hartley 9% chance of beating Fully Insured
−$2,489,112
median five-year savings
-28% expected savings
5th−$3,883,55625th−$3,176,734 75th−$1,468,00995th$980,168
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$826 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final rates$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $1,203,291
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 10.4% (final, per the state regulator). Fully-insured renewal expectation used here: 8.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.6%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Utah market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO26%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley11%
Five-year median savings versus staying Fully Insured
PEO −$1,954,954
Self-Funded $2,054,299
Self-Funded Captive $2,137,832
Taft-Hartley −$4,113,395
5th to 95th percentile 25th to 75th Median
PEO 26% chance of beating Fully Insured
−$1,954,954
median five-year savings
-16% expected savings
5th−$7,507,83525th−$3,866,873 75th$59,31895th$4,508,119
Self-Funded 99% chance of beating Fully Insured
$2,054,299
median five-year savings
+16% expected savings
5th$959,24225th$1,596,845 75th$2,802,00995th$4,715,087
With additional cost containment: $2.97M to $4.47M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,137,832
median five-year savings
+17% expected savings
5th$1,176,84025th$1,617,023 75th$3,022,09895th$5,348,052
With additional cost containment: $3.00M to $3.97M more potential savings; win rate rises to ~100%.
Taft-Hartley 11% chance of beating Fully Insured
−$4,113,395
median five-year savings
-27% expected savings
5th−$6,645,04325th−$5,340,590 75th−$2,210,12495th$1,994,311
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$826 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final rates$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $2,137,832
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 10.4% (final, per the state regulator). Fully-insured renewal expectation used here: 8.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.6%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Utah market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO22%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley6%
Five-year median savings versus staying Fully Insured
PEO −$3,851,219
Self-Funded $3,987,212
Self-Funded Captive $4,074,572
Taft-Hartley −$8,115,955
5th to 95th percentile 25th to 75th Median
PEO 22% chance of beating Fully Insured
−$3,851,219
median five-year savings
-17% expected savings
5th−$14,928,49725th−$7,417,730 75th−$531,38795th$5,828,608
Self-Funded 100% chance of beating Fully Insured
$3,987,212
median five-year savings
+16% expected savings
5th$2,102,88425th$3,088,858 75th$5,454,99095th$9,221,301
With additional cost containment: $6.00M to $7.80M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,074,572
median five-year savings
+16% expected savings
5th$2,266,09925th$3,114,616 75th$5,629,70495th$9,661,297
With additional cost containment: $6.01M to $7.28M more potential savings; win rate rises to ~100%.
Taft-Hartley 6% chance of beating Fully Insured
−$8,115,955
median five-year savings
-28% expected savings
5th−$12,494,19525th−$10,263,481 75th−$5,254,02995th$402,900
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$826 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final rates$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $4,074,572
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 10.4% (final, per the state regulator). Fully-insured renewal expectation used here: 8.2% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.6%.
2026 analysis vs 2027
For 70-employee groups in Utah, the modeled median five-year savings for Self-Funded Captive moved from $470,919 to $506,791, and its modeled chance of beating Fully Insured stayed at 100%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $114,851 → $139,62093% → 94% odds | $101,523 → $124,69180% → 81% odds | Not modeled | Not modeled |
| 30 | $344,552 → $418,85993% → 94% odds | $441,305 → $525,29190% → 91% odds | Not modeled | $410,423 → $485,13193% → 94% odds |
| 70 | −$186,112 → −$205,46738% → 38% odds | $327,740 → $361,82593% → 93% odds | Not modeled | $470,919 → $506,791100% → 100% odds |
| 150 | −$711,527 → −$785,52631% → 31% odds | Not modeled | $1,061,985 → $1,172,43297% → 97% odds | $1,115,372 → $1,203,291100% → 100% odds |
| 250 | −$1,770,792 → −$1,954,95426% → 26% odds | Not modeled | $1,860,778 → $2,054,29999% → 99% odds | $1,978,833 → $2,137,832100% → 100% odds |
| 500 | −$3,488,423 → −$3,851,21922% → 22% odds | Not modeled | $3,611,605 → $3,987,212100% → 100% odds | $3,775,519 → $4,074,572100% → 100% odds |
Fully Insured baseline used: $748 → $826 per employee per month (PY2026 rates → PY2027 final 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 Utah 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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