PEO 93% chance of beating Fully Insured
$132,137
median five-year savings
+19% expected savings
5th−$23,60325th$81,986 75th$165,15895th$194,945
Wyoming Health-Plan Funding Guide
Wyoming 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 Wyoming market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO93%
Level-Funded74%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $132,137
Level-Funded $84,246
Taft-Hartley −$114,228
5th to 95th percentile 25th to 75th Median
Level-Funded 74% chance of beating Fully Insured
$84,246
median five-year savings
+5% expected savings
5th−$267,60025th−$9,088 75th$123,10595th$147,576
With additional cost containment: $140K to $253K more potential savings; win rate rises to ~92%.
Taft-Hartley 0% chance of beating Fully Insured
−$114,228
median five-year savings
-19% expected savings
5th−$147,37325th−$127,433 75th−$100,15195th−$80,991
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$876 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 · $132,137
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 9.83% (proposed, not yet final). Fully-insured renewal expectation used here: 6.9% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 7.2%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Wyoming market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO93%
Level-Funded87%
Self-Funded Captive89%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $396,412
Level-Funded $423,687
Self-Funded Captive $367,793
Taft-Hartley −$342,684
5th to 95th percentile 25th to 75th Median
PEO 93% chance of beating Fully Insured
$396,412
median five-year savings
+19% expected savings
5th−$70,81025th$245,959 75th$495,47595th$584,836
Level-Funded 87% chance of beating Fully Insured
$423,687
median five-year savings
+17% expected savings
5th−$360,84125th$222,837 75th$510,86995th$582,869
With additional cost containment: $357K to $567K more potential savings; win rate rises to ~98%.
Self-Funded Captive 89% chance of beating Fully Insured
$367,793
median five-year savings
+17% expected savings
5th−$197,39125th$205,803 75th$464,98595th$554,824
With additional cost containment: $369K to $523K more potential savings; win rate rises to ~99%.
Taft-Hartley 0% chance of beating Fully Insured
−$342,684
median five-year savings
-19% expected savings
5th−$442,11925th−$382,300 75th−$300,45295th−$242,974
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$876 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 · $423,687
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 9.83% (proposed, not yet final). Fully-insured renewal expectation used here: 6.9% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 7.2%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Wyoming market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO50%
Level-Funded86%
Self-Funded Captive98%
Taft-Hartley22%
Five-year median savings versus staying Fully Insured
PEO $2,257
Level-Funded $335,242
Self-Funded Captive $483,931
Taft-Hartley −$730,762
5th to 95th percentile 25th to 75th Median
PEO 50% chance of beating Fully Insured
$2,257
median five-year savings
+0% expected savings
5th−$1,453,21825th−$488,761 75th$644,62395th$2,135,841
Level-Funded 86% chance of beating Fully Insured
$335,242
median five-year savings
+11% expected savings
5th−$285,44825th$122,773 75th$762,78595th$2,077,402
With additional cost containment: $973K to $1.42M more potential savings; win rate rises to ~100%.
Self-Funded Captive 98% chance of beating Fully Insured
$483,931
median five-year savings
+15% expected savings
5th$68,82925th$262,269 75th$903,57095th$2,313,829
With additional cost containment: $946K to $1.25M more potential savings; win rate rises to ~100%.
Taft-Hartley 22% chance of beating Fully Insured
−$730,762
median five-year savings
-14% expected savings
5th−$1,418,82025th−$1,099,422 75th−$112,11495th$1,426,099
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$876 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 · $483,931
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 9.83% (proposed, not yet final). Fully-insured renewal expectation used here: 6.9% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 7.2%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Wyoming market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO43%
Self-Funded93%
Self-Funded Captive100%
Taft-Hartley24%
Five-year median savings versus staying Fully Insured
PEO −$325,038
Self-Funded $1,191,182
Self-Funded Captive $1,188,415
Taft-Hartley −$1,419,109
5th to 95th percentile 25th to 75th Median
PEO 43% chance of beating Fully Insured
−$325,038
median five-year savings
-5% expected savings
5th−$3,728,13725th−$1,541,903 75th$1,072,44595th$4,715,973
Self-Funded 93% chance of beating Fully Insured
$1,191,182
median five-year savings
+15% expected savings
5th−$201,85825th$660,251 75th$1,989,12095th$4,604,056
With additional cost containment: $2.03M to $3.12M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,188,415
median five-year savings
+16% expected savings
5th$310,11425th$722,939 75th$2,074,92895th$4,823,780
With additional cost containment: $2.05M to $2.72M more potential savings; win rate rises to ~100%.
Taft-Hartley 24% chance of beating Fully Insured
−$1,419,109
median five-year savings
-13% expected savings
5th−$3,248,01825th−$2,350,549 75th−$58,30595th$3,515,369
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$876 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 · $1,191,182
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 9.83% (proposed, not yet final). Fully-insured renewal expectation used here: 6.9% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 7.2%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Wyoming market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO37%
Self-Funded97%
Self-Funded Captive100%
Taft-Hartley25%
Five-year median savings versus staying Fully Insured
PEO −$1,175,289
Self-Funded $2,142,508
Self-Funded Captive $2,218,440
Taft-Hartley −$2,262,068
5th to 95th percentile 25th to 75th Median
PEO 37% chance of beating Fully Insured
−$1,175,289
median five-year savings
-9% expected savings
5th−$7,244,37825th−$3,375,271 75th$1,402,75695th$7,213,887
Self-Funded 97% chance of beating Fully Insured
$2,142,508
median five-year savings
+16% expected savings
5th$334,57325th$1,360,377 75th$3,497,80495th$7,323,700
With additional cost containment: $3.37M to $5.10M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$2,218,440
median five-year savings
+16% expected savings
5th$630,76825th$1,385,307 75th$3,686,80095th$7,662,818
With additional cost containment: $3.42M to $4.51M more potential savings; win rate rises to ~100%.
Taft-Hartley 25% chance of beating Fully Insured
−$2,262,068
median five-year savings
-13% expected savings
5th−$5,500,53325th−$3,887,766 75th$41,37895th$5,616,913
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$876 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 · $2,218,440
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 9.83% (proposed, not yet final). Fully-insured renewal expectation used here: 6.9% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 7.2%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Wyoming market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO34%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley22%
Five-year median savings versus staying Fully Insured
PEO −$2,379,290
Self-Funded $4,154,653
Self-Funded Captive $4,107,353
Taft-Hartley −$4,529,844
5th to 95th percentile 25th to 75th Median
PEO 34% chance of beating Fully Insured
−$2,379,290
median five-year savings
-10% expected savings
5th−$14,423,16425th−$6,328,846 75th$1,703,13895th$11,282,070
Self-Funded 99% chance of beating Fully Insured
$4,154,653
median five-year savings
+16% expected savings
5th$955,93125th$2,565,791 75th$6,758,80395th$14,354,233
With additional cost containment: $6.79M to $8.90M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$4,107,353
median five-year savings
+16% expected savings
5th$1,185,27325th$2,573,416 75th$6,781,95595th$14,555,999
With additional cost containment: $6.84M to $8.32M more potential savings; win rate rises to ~100%.
Taft-Hartley 22% chance of beating Fully Insured
−$4,529,844
median five-year savings
-13% expected savings
5th−$10,171,40825th−$7,393,533 75th−$711,67695th$7,812,676
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$876 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 · $4,154,653
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 9.83% (proposed, not yet final). Fully-insured renewal expectation used here: 6.9% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 7.2%.
2026 analysis vs 2027
For 70-employee groups in Wyoming, the modeled median five-year savings for Self-Funded Captive moved from $451,895 to $483,931, and its modeled chance of beating Fully Insured stayed at 98%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $103,033 → $132,13791% → 93% odds | $59,248 → $84,24670% → 74% odds | Not modeled | Not modeled |
| 30 | $309,098 → $396,41291% → 93% odds | $334,393 → $423,68785% → 87% odds | Not modeled | $287,261 → $367,79387% → 89% odds |
| 70 | $2,055 → $2,25750% → 50% odds | $305,238 → $335,24286% → 86% odds | Not modeled | $451,895 → $483,93198% → 98% odds |
| 150 | −$295,946 → −$325,03843% → 43% odds | Not modeled | $1,084,569 → $1,191,18293% → 93% odds | $1,106,215 → $1,188,415100% → 100% odds |
| 250 | −$1,070,098 → −$1,175,28937% → 37% odds | Not modeled | $1,950,749 → $2,142,50897% → 97% odds | $2,060,161 → $2,218,440100% → 100% odds |
| 500 | −$2,166,339 → −$2,379,29034% → 34% odds | Not modeled | $3,782,803 → $4,154,65399% → 99% odds | $3,820,289 → $4,107,353100% → 100% odds |
Fully Insured baseline used: $798 → $876 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 Wyoming 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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Use your own data or speak with a Benefitra advisor.