What health plan funding options can employers compare?

Employers can evaluate fully insured, level-funded, self-funded, ICHRA, and related arrangements by state, workforce size, and risk tolerance using Benefitra's maps, calculators, and advisory support.

Does this page cover every U.S. state?

The health insurance plans experience is built around state and market context so employers can start from their geography and drill into funding and carrier considerations that apply locally.

How do I know which funding path fits my company?

Start with employee count, cash-flow tolerance, claims volatility, and compliance bandwidth—then use Benefitra tools and advisors to pressure-test fully insured vs level-funded vs self-funded vs ICHRA.

Is this advice or a binding quote?

Educational comparison and decision support. Final rates and plan designs depend on underwriting, carrier appetite, and your census—request a quote for firm numbers.

2026 State funding results (archived)

Prior-year employer-size predictions. Select a state on the map, then pick an employee count to preview 1- and 5-year odds and median savings. Full state pages live under /health-insurance-funding-2026/.

Our Most Advanced Analysis

Know Your 1- and 5-Year Savings and Odds in Two Clicks

Select Your State (Click One)

Click a state to preview its results ↓

5-year odds · median savings

Employee count

Alabama · 30 employeesLevel-Funded

View full Alabama analysis →Previewing verified state-page results

Modeled examples, not quotes or guarantees. Actual results vary.

Current state-adjusted market rates and consistent assumptions.
2,000 to 10,000 simulations with medical underwriting and health-condition persistence logic.
Five modeled percentiles, not a hand-picked best case.
Calibrated to published KFF, Milliman, AHRQ MEPS, and Society of Actuaries data.