One-owner and single-member businesses

National PPO health coverage for a one-owner or single-member business.

If you pay more than $589 a month for PPO health coverage, you could benefit from a group rate plan.

Buying on your own means you pay the individual rate. A PEO group structure puts your business inside a large employer group, so you are priced at group scale on a national PPO instead of alone.

National Tier 1 PPO

Plan A$880/mo$1,000 deductible
Plan B$723/mo$3,500 deductible
Plan C$589/mo$7,350 deductible

See how this affects my year-end taxes

About a minute. No name, no call, no fee for the first result.

How the math engine works

1
See your own number first.
Enter your projected income. See what group rate coverage does to your personal tax position, computed against enacted federal and state law, before anything else is asked of you.
2
Then configure your group.
Add your employees and see the group rate cost, tier by tier, priced from the carriers we actually carry. Not a national average. Not an estimate.
3
Then, once the numbers work, the formal quote.
A quote needs underwriting, so it comes after a short call that factors in everything else about your business. That part needs us. The rest does not.

AI voice assistant

Start a voice chat.

Ask questions about this page, talk through the owner path, or have the assistant walk you through the number flow while you read. No contact information needed to start.

Your browser will ask for microphone access. This is an AI assistant, not a person, and it cannot see your private figures.

2026 market pressure

Retail and marketplace coverage premiums are moving 12%+.

Peterson-KFF found that most proposed 2026 marketplace premium changes fell between about 12% and 27%. The videos below explain why owners are feeling the jump. The solution still starts with your own number.

Review the Peterson-KFF rate analysis

USA OPS solution

If you clear $80K and already pay $700+/mo, the structure deserves a look.

USA OPS helps owners compare their current monthly cost against a PEO group-plan path before a discovery call.

See your number View single-owner pricing

National PPO provider paths

Review serious national access instead of staying boxed into a narrow local plan.

No specialist referral gate

Available PPO paths can include specialist access without primary-care referral requirements.

HSA-approved options

Review plan paths built for owners who want HSA-compatible coverage.

As little as three weeks

Clean paperwork can move quickly once the owner applies and the discovery call confirms the file.

You do not have to wait to exit your current plan. Keep the current plan active until the new effective date is confirmed so the transition is built to avoid a gap in normal clean cases.

Start here

Choose the path that matches how you operate.

The same math engine sits behind the site. The page you start on should match the problem you are actually trying to solve.

Owners

For solo owners, S-corps, LLCs, contractors, and fractional executives paying too much alone.

Teams

For owners with employees who need coverage cost clarity plus payroll and compliance structure.

Pricing

See the public PEO administration fee and the single-owner pricing path.

Coverage

Review the group-plan access model and current coverage details.

Why a PEO

Understand the structure before you decide whether it fits.

Partners

For CPAs, brokers, HR leaders, staffing firms, accelerators, and marketplaces.

Decision logic

A better page does not sell the meeting. It earns the meeting.

The only useful opening question is whether the numbers justify more work. If they do, the discovery call can focus on paperwork, timing, and PEO fit.

If they do not, the owner should know early. USA OPS is built to separate a real path from another shopping loop.

No contact to start

The first result appears before the owner gives a name.

Real inputs

Income, state, entity, household tier, and current cost drive the screen.

Clear next step

Strong cases move to discovery. Weak cases do not get forced.

CPA-ready thinking

The full report is built so an accountant can review the assumptions.

Process

Four steps. No wasted motion.

The path stays readable because each step has one job. The page explains enough to make the next decision obvious.

01
Run the number
Use real inputs before a meeting changes the frame.
02
Review the result
Look at the direction before spending time on discovery.
03
Confirm the facts
Use the call for entity, state, payroll, timing, and fit.
04
Move only if it holds
A weak result should stop the process early.

Questions

Direct answers before the next click.

What does USA OPS do first?

USA OPS runs a number-first fit check so the owner can see whether the PEO path deserves a closer look.

Do I need to talk to someone first?

No. The first screen is built to appear before contact.

Who is this for?

Owners and small teams with strong income, high monthly coverage cost, and a business structure that may fit the PEO path.

What if the numbers do not work?

Then the page should make that clear before the owner spends time on a call.

Next step

Use your own number before you decide.

The general page can explain the structure. The calculator decides whether your facts deserve a closer look.

See your number Review pricing

General information only. Not tax or legal advice. Eligibility depends on entity, ownership, state rules, payroll setup, timing, and specific facts.

USA OPS is an independent referral partner. We do not sell, underwrite, enroll, or administer coverage. The PEO handles underwriting, enrollment, payroll, group coverage, and administration.