PEO 96% chance of beating Fully Insured
$204,149
median five-year savings
+23% expected savings
5th$14,76225th$142,656 75th$244,32495th$281,165
Washington Health-Plan Funding Guide
Washington 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 Washington market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO96%
Level-Funded82%
Taft-Hartley100%
Five-year median savings versus staying Fully Insured
PEO $204,149
Level-Funded $179,440
Taft-Hartley $59,047
5th to 95th percentile 25th to 75th Median
Level-Funded 82% chance of beating Fully Insured
$179,440
median five-year savings
+15% expected savings
5th−$220,10225th$73,639 75th$223,32495th$251,610
With additional cost containment: $162K to $289K more potential savings; win rate rises to ~97%.
Taft-Hartley 100% chance of beating Fully Insured
$59,047
median five-year savings
+8% expected savings
5th$20,23325th$43,984 75th$75,09195th$98,979
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,064 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 · $204,149
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 16.41% (proposed, not yet final). Fully-insured renewal expectation used here: 9.8% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 14.1%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Washington 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-Hartley100%
Five-year median savings versus staying Fully Insured
PEO $612,447
Level-Funded $735,144
Self-Funded Captive $666,109
Taft-Hartley $177,140
5th to 95th percentile 25th to 75th Median
PEO 96% chance of beating Fully Insured
$612,447
median five-year savings
+23% expected savings
5th$44,28625th$427,967 75th$732,97395th$843,495
Level-Funded 92% chance of beating Fully Insured
$735,144
median five-year savings
+26% expected savings
5th−$159,48125th$508,987 75th$834,78295th$914,812
With additional cost containment: $409K to $648K more potential savings; win rate rises to ~100%.
Self-Funded Captive 95% chance of beating Fully Insured
$666,109
median five-year savings
+25% expected savings
5th$6,23225th$479,586 75th$777,29895th$878,229
With additional cost containment: $425K to $606K more potential savings; win rate rises to ~100%.
Taft-Hartley 100% chance of beating Fully Insured
$177,140
median five-year savings
+8% expected savings
5th$60,69925th$131,952 75th$225,27395th$296,937
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,064 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 · $735,144
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 16.41% (proposed, not yet final). Fully-insured renewal expectation used here: 9.8% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 14.1%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Washington market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO40%
Level-Funded92%
Self-Funded Captive100%
Taft-Hartley47%
Five-year median savings versus staying Fully Insured
PEO −$229,980
Level-Funded $458,696
Self-Funded Captive $609,845
Taft-Hartley −$50,429
5th to 95th percentile 25th to 75th Median
PEO 40% chance of beating Fully Insured
−$229,980
median five-year savings
-6% expected savings
5th−$1,942,81025th−$793,198 75th$402,68195th$1,782,208
Level-Funded 92% chance of beating Fully Insured
$458,696
median five-year savings
+11% expected savings
5th−$155,59425th$277,977 75th$777,51595th$1,796,113
With additional cost containment: $1.11M to $1.63M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$609,845
median five-year savings
+14% expected savings
5th$255,67925th$426,188 75th$931,68195th$1,960,294
With additional cost containment: $1.09M to $1.44M more potential savings; win rate rises to ~100%.
Taft-Hartley 47% chance of beating Fully Insured
−$50,429
median five-year savings
+1% expected savings
5th−$738,10325th−$422,981 75th$526,12495th$1,874,571
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,064 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 · $609,845
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 16.41% (proposed, not yet final). Fully-insured renewal expectation used here: 9.8% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 14.1%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Washington 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-Hartley50%
Five-year median savings versus staying Fully Insured
PEO −$926,052
Self-Funded $1,500,740
Self-Funded Captive $1,465,164
Taft-Hartley −$10,338
5th to 95th percentile 25th to 75th Median
PEO 33% chance of beating Fully Insured
−$926,052
median five-year savings
-10% expected savings
5th−$4,956,63025th−$2,320,717 75th$533,34895th$3,971,240
Self-Funded 96% chance of beating Fully Insured
$1,500,740
median five-year savings
+15% expected savings
5th$196,12125th$1,048,992 75th$2,115,10595th$3,975,247
With additional cost containment: $2.33M to $3.56M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,465,164
median five-year savings
+16% expected savings
5th$723,12525th$1,067,101 75th$2,153,12795th$4,247,358
With additional cost containment: $2.35M to $3.12M more potential savings; win rate rises to ~100%.
Taft-Hartley 50% chance of beating Fully Insured
−$10,338
median five-year savings
+2% expected savings
5th−$1,855,08425th−$921,093 75th$1,361,94895th$4,593,407
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,064 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 · $1,500,740
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 16.41% (proposed, not yet final). Fully-insured renewal expectation used here: 9.8% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 14.1%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Washington 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-Hartley51%
Five-year median savings versus staying Fully Insured
PEO −$2,380,730
Self-Funded $2,644,461
Self-Funded Captive $2,625,291
Taft-Hartley $67,110
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$2,380,730
median five-year savings
-15% expected savings
5th−$9,536,15525th−$4,872,875 75th$287,49495th$6,095,838
Self-Funded 99% chance of beating Fully Insured
$2,644,461
median five-year savings
+16% expected savings
5th$1,123,42825th$1,996,794 75th$3,700,45395th$6,439,769
With additional cost containment: $3.86M to $5.82M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,625,291
median five-year savings
+16% expected savings
5th$1,289,52925th$1,912,116 75th$3,855,11295th$7,165,886
With additional cost containment: $3.94M to $5.20M more potential savings; win rate rises to ~100%.
Taft-Hartley 51% chance of beating Fully Insured
$67,110
median five-year savings
+2% expected savings
5th−$3,292,28225th−$1,582,104 75th$2,501,84695th$8,194,193
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,064 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 · $2,644,461
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 16.41% (proposed, not yet final). Fully-insured renewal expectation used here: 9.8% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 14.1%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Washington 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-Hartley52%
Five-year median savings versus staying Fully Insured
PEO −$4,662,495
Self-Funded $5,113,569
Self-Funded Captive $4,974,985
Taft-Hartley $262,828
5th to 95th percentile 25th to 75th Median
PEO 24% chance of beating Fully Insured
−$4,662,495
median five-year savings
-16% expected savings
5th−$19,002,93825th−$9,205,993 75th−$311,35795th$8,048,489
Self-Funded 100% chance of beating Fully Insured
$5,113,569
median five-year savings
+16% expected savings
5th$2,478,92425th$3,850,537 75th$7,198,66195th$12,603,295
With additional cost containment: $7.80M to $10.16M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,974,985
median five-year savings
+15% expected savings
5th$2,472,67625th$3,644,422 75th$7,100,32295th$12,879,147
With additional cost containment: $7.89M to $9.54M more potential savings; win rate rises to ~100%.
Taft-Hartley 52% chance of beating Fully Insured
$262,828
median five-year savings
+2% expected savings
5th−$5,478,41225th−$2,661,174 75th$3,968,24295th$11,631,162
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$1,064 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 · $5,113,569
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 16.41% (proposed, not yet final). Fully-insured renewal expectation used here: 9.8% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 14.1%.
2026 analysis vs 2027
For 70-employee groups in Washington, the modeled median five-year savings for Self-Funded Captive moved from $541,638 to $609,845, and its modeled chance of beating Fully Insured stayed at 100%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $144,213 → $204,14993% → 96% odds | $123,275 → $179,44080% → 82% odds | Not modeled | Not modeled |
| 30 | $432,640 → $612,44793% → 96% odds | $538,379 → $735,14490% → 92% odds | Not modeled | $486,894 → $666,10993% → 95% odds |
| 70 | −$197,560 → −$229,98040% → 40% odds | $394,035 → $458,69692% → 92% odds | Not modeled | $541,638 → $609,845100% → 100% odds |
| 150 | −$795,509 → −$926,05233% → 33% odds | Not modeled | $1,289,185 → $1,500,74096% → 96% odds | $1,296,685 → $1,465,164100% → 100% odds |
| 250 | −$2,045,125 → −$2,380,73027% → 27% odds | Not modeled | $2,271,678 → $2,644,46199% → 99% odds | $2,318,646 → $2,625,291100% → 100% odds |
| 500 | −$4,005,236 → −$4,662,49524% → 24% odds | Not modeled | $4,392,723 → $5,113,569100% → 100% odds | $4,400,545 → $4,974,985100% → 100% odds |
Fully Insured baseline used: $914 → $1,064 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 Washington 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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