PEO health insurance rates are not published by anybody, and unlike administrative fees the reason is genuine rather than commercial. A health rate is a function of who your employees are, where they live and what plan they choose, and no provider can know any of that before you tell them.
What moves the rate
The demographics of your workforce, the geography they live in, the plan design chosen, and the size and claims experience of the pool your staff would join. A provider with a large, healthy pool can offer better rates than a small employer can obtain alone, and that difference is the entire commercial logic of a PEO for most buyers.
The number to ask for, and it is not yours
Ask for the employee contribution schedule at your actual salaries and family compositions, not the employer cost. A plan that looks strong on paper and costs an employee a large share of their monthly pay will not be joined, and an unjoined plan is not a benefit however good the rate looks. Model your lowest-paid staff first, because that is where the schedule bites hardest.
What to check about renewal
Ask what happened to rates at the last two renewals across the provider's book, and what notice you get of a change. A first-year rate that rises steeply at renewal is a common pattern, and the time to ask about it is before signing, when the provider is motivated to answer.
Questions people ask about peo health insurance rates
What are PEO health insurance rates?
They are quoted per client and no provider publishes them, because a health rate depends on your workforce demographics, geography, plan design and the pool your staff join.
What number should I ask for?
The employee contribution schedule at your real salaries and family compositions, starting with your lowest-paid staff. Employer cost matters less than whether your people will actually join the plan.
Do PEO health rates rise at renewal?
They can, and steeply. Ask what happened at the provider's last two renewals across its book and what notice you receive of a change, before you sign rather than after.