PEO 94% chance of beating Fully Insured
$168,487
median five-year savings
+21% expected savings
5th−$7,36925th$111,310 75th$205,51495th$239,503
Vermont Health-Plan Funding Guide
Vermont 2027 funding analysis by employer size
Plan year 2027 Rates used: PY2027 final approved 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 Vermont market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO94%
Level-Funded81%
Taft-Hartley22%
Five-year median savings versus staying Fully Insured
PEO $168,487
Level-Funded $145,600
Taft-Hartley −$17,694
5th to 95th percentile 25th to 75th Median
Level-Funded 81% chance of beating Fully Insured
$145,600
median five-year savings
+13% expected savings
5th−$225,40025th$46,660 75th$186,39395th$212,264
With additional cost containment: $150K to $269K more potential savings; win rate rises to ~96%.
Taft-Hartley 22% chance of beating Fully Insured
−$17,694
median five-year savings
-3% expected savings
5th−$54,03625th−$31,969 75th−$2,62095th$19,188
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$988 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final approved rates$0 saved
Day-one and five-year context
Lowest modeled day-one costPEO · ~28% cheaper
Highest modeled five-year medianPEO · $168,487
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 4.3% (final, approved by the Vermont Green Mountain Care Board). Fully-insured renewal expectation used here: 8.3% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 7%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Vermont 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-Hartley22%
Five-year median savings versus staying Fully Insured
PEO $505,462
Level-Funded $619,119
Self-Funded Captive $559,251
Taft-Hartley −$53,083
5th to 95th percentile 25th to 75th Median
PEO 94% chance of beating Fully Insured
$505,462
median five-year savings
+21% expected savings
5th−$22,10825th$333,929 75th$616,54195th$718,508
Level-Funded 91% chance of beating Fully Insured
$619,119
median five-year savings
+24% expected savings
5th−$209,98125th$410,096 75th$711,81495th$785,338
With additional cost containment: $380K to $602K more potential savings; win rate rises to ~100%.
Self-Funded Captive 94% chance of beating Fully Insured
$559,251
median five-year savings
+23% expected savings
5th−$55,47225th$385,924 75th$661,70995th$755,672
With additional cost containment: $393K to $562K more potential savings; win rate rises to ~99%.
Taft-Hartley 22% chance of beating Fully Insured
−$53,083
median five-year savings
-3% expected savings
5th−$162,10825th−$95,907 75th−$7,86095th$57,564
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$988 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final approved rates$0 saved
Day-one and five-year context
Lowest modeled day-one costPEO · ~28% cheaper
Highest modeled five-year medianLevel-Funded · $619,119
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 4.3% (final, approved by the Vermont Green Mountain Care Board). Fully-insured renewal expectation used here: 8.3% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 7%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Vermont market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO59%
Level-Funded85%
Self-Funded Captive91%
Taft-Hartley22%
Five-year median savings versus staying Fully Insured
PEO $149,621
Level-Funded $868,544
Self-Funded Captive $945,580
Taft-Hartley −$123,861
5th to 95th percentile 25th to 75th Median
PEO 59% chance of beating Fully Insured
$149,621
median five-year savings
-1% expected savings
5th−$1,427,58325th−$341,691 75th$472,13595th$760,005
Level-Funded 85% chance of beating Fully Insured
$868,544
median five-year savings
+13% expected savings
5th−$1,059,56725th$420,800 75th$1,094,89795th$1,332,003
With additional cost containment: $1.03M to $1.52M more potential savings; win rate rises to ~98%.
Self-Funded Captive 91% chance of beating Fully Insured
$945,580
median five-year savings
+16% expected savings
5th−$312,71125th$578,894 75th$1,184,89195th$1,452,615
With additional cost containment: $1.01M to $1.33M more potential savings; win rate rises to ~99%.
Taft-Hartley 22% chance of beating Fully Insured
−$123,861
median five-year savings
-3% expected savings
5th−$378,25225th−$223,782 75th−$18,34095th$134,316
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$988 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final approved 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 · $945,580
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 4.3% (final, approved by the Vermont Green Mountain Care Board). Fully-insured renewal expectation used here: 8.3% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 7%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Vermont market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO33%
Self-Funded96%
Self-Funded Captive100%
Taft-Hartley32%
Five-year median savings versus staying Fully Insured
PEO −$859,887
Self-Funded $1,393,515
Self-Funded Captive $1,379,772
Taft-Hartley −$773,534
5th to 95th percentile 25th to 75th Median
PEO 33% chance of beating Fully Insured
−$859,887
median five-year savings
-10% expected savings
5th−$4,602,48825th−$2,154,906 75th$495,24195th$3,687,503
Self-Funded 96% chance of beating Fully Insured
$1,393,515
median five-year savings
+15% expected savings
5th$182,10925th$974,044 75th$1,963,98595th$3,691,223
With additional cost containment: $2.16M to $3.31M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,379,772
median five-year savings
+16% expected savings
5th$690,75025th$1,010,149 75th$2,018,58195th$3,963,183
With additional cost containment: $2.18M to $2.89M more potential savings; win rate rises to ~100%.
Taft-Hartley 32% chance of beating Fully Insured
−$773,534
median five-year savings
-6% expected savings
5th−$2,495,17325th−$1,626,687 75th$485,17195th$3,502,615
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$988 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final approved rates$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded · $1,393,515
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 4.3% (final, approved by the Vermont Green Mountain Care Board). Fully-insured renewal expectation used here: 8.3% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 7%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Vermont market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO27%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley35%
Five-year median savings versus staying Fully Insured
PEO −$2,210,631
Self-Funded $2,455,519
Self-Funded Captive $2,469,871
Taft-Hartley −$1,222,406
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$2,210,631
median five-year savings
-15% expected savings
5th−$8,854,81525th−$4,524,717 75th$266,95395th$5,660,302
Self-Funded 99% chance of beating Fully Insured
$2,455,519
median five-year savings
+16% expected savings
5th$1,043,16125th$1,854,127 75th$3,436,06295th$5,979,660
With additional cost containment: $3.59M to $5.41M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,469,871
median five-year savings
+16% expected savings
5th$1,229,54625th$1,807,651 75th$3,611,82395th$6,686,048
With additional cost containment: $3.65M to $4.82M more potential savings; win rate rises to ~100%.
Taft-Hartley 35% chance of beating Fully Insured
−$1,222,406
median five-year savings
-5% expected savings
5th−$4,331,14225th−$2,750,696 75th$1,042,61895th$6,309,246
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$988 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final approved rates$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $2,469,871
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 4.3% (final, approved by the Vermont Green Mountain Care Board). Fully-insured renewal expectation used here: 8.3% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 7%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Vermont market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO24%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley32%
Five-year median savings versus staying Fully Insured
PEO −$4,329,369
Self-Funded $4,748,214
Self-Funded Captive $4,683,835
Taft-Hartley −$2,333,023
5th to 95th percentile 25th to 75th Median
PEO 24% chance of beating Fully Insured
−$4,329,369
median five-year savings
-16% expected savings
5th−$17,645,21425th−$8,548,242 75th−$289,11195th$7,473,439
Self-Funded 100% chance of beating Fully Insured
$4,748,214
median five-year savings
+16% expected savings
5th$2,301,81025th$3,575,424 75th$6,684,33195th$11,702,814
With additional cost containment: $7.25M to $9.43M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,683,835
median five-year savings
+16% expected savings
5th$2,360,31125th$3,448,338 75th$6,657,32195th$12,023,259
With additional cost containment: $7.31M to $8.84M more potential savings; win rate rises to ~100%.
Taft-Hartley 32% chance of beating Fully Insured
−$2,333,023
median five-year savings
-6% expected savings
5th−$7,679,16125th−$5,041,932 75th$1,137,38695th$8,237,241
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$988 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 final approved rates$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded · $4,748,214
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 4.3% (final, approved by the Vermont Green Mountain Care Board). Fully-insured renewal expectation used here: 8.3% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 7%.
2026 analysis vs 2027
For 70-employee groups in Vermont, the modeled median five-year savings for Self-Funded Captive moved from $985,313 to $945,580, and its modeled chance of beating Fully Insured moved from 92% to 91%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $172,225 → $168,48795% → 94% odds | $150,377 → $145,60082% → 81% odds | Not modeled | Not modeled |
| 30 | $516,676 → $505,46295% → 94% odds | $626,055 → $619,11992% → 91% odds | Not modeled | $570,247 → $559,25194% → 94% odds |
| 70 | $219,743 → $149,62164% → 59% odds | $907,595 → $868,54486% → 85% odds | Not modeled | $985,313 → $945,58092% → 91% odds |
| 150 | −$824,437 → −$859,88733% → 33% odds | Not modeled | $1,336,064 → $1,393,51596% → 96% odds | $1,334,019 → $1,379,772100% → 100% odds |
| 250 | −$2,119,493 → −$2,210,63127% → 27% odds | Not modeled | $2,354,285 → $2,455,51999% → 99% odds | $2,386,597 → $2,469,871100% → 100% odds |
| 500 | −$4,150,881 → −$4,329,36924% → 24% odds | Not modeled | $4,552,459 → $4,748,214100% → 100% odds | $4,527,838 → $4,683,835100% → 100% odds |
Fully Insured baseline used: $947 → $988 per employee per month (PY2026 rates → PY2027 final approved 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 Vermont 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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