For owners

A business of one can still deserve a serious group-plan path.

If you earn strong income and your monthly coverage cost is already painful, shopping alone may be the wrong problem. The first question is whether your business facts can support a PEO structure.

See your number View single-owner pricing

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Owner paths

Find the page that matches how you earn.

A fractional CFO, a contractor, an LLC owner, and an S-corp owner may all be businesses of one. The page should meet the owner where the search starts.

Self-employed owners

For owners earning directly through their business.

Single-owner pricing

Review owner-only, spouse, children, and family tiers.

LLC owners

See how entity treatment affects the PEO path.

1099 contractors

For contractors who need a business-grade answer.

Fractional executives

For CFOs, CISOs, COOs, CPOs, CEOs, CTOs, CMOs, and CROs.

Cost increase guide

If the monthly jump triggered the search, start here.

The owner problem

The market treats you like an individual. Your business may not have to.

The PEO path exists because the owner can be placed inside a larger employment platform when the case fits.

That does not mean giving up control of the business. It means the payroll, filing, coverage, and administration path has to be clean enough to support the structure.

Household tiers

Owner-only, spouse, children, and family paths can be reviewed.

National access

The goal is better access than shopping alone.

Payroll discipline

The structure depends on payroll and paperwork being done correctly.

Timing clarity

Clean cases can discuss timing once paperwork is provided.

Owner path

Use the business facts before you shop again.

A one-owner business should not start with another quote chase. Start with income, current monthly cost, household tier, and entity facts, then decide whether the PEO path deserves a closer look.

StartHigh monthly cost

Step 1Confirm the owner profileOne owner, $80K+ income, and a current monthly cost high enough to beat.Step 2Review single-owner pricingCompare owner-only, spouse, children, and family tiers before the call.Step 3Run the numberUse the owner facts to compare the current path against the PEO path.

NoStop earlyIf the math is weak, the page should make that clear.

DecisionDoes the structure create a better answer?

YesMove to discoveryUse the call to confirm paperwork, timing, and fit.

Setup laneQualified owners move from math to file review.USA OPS qualifies and connects. The PEO handles final eligibility, enrollment, payroll, group coverage, and administration.

Discovery callEntity, household tier, state, and timing.
Paperwork reviewThe file gets checked before movement.
Confirmed pathThe owner knows the next step.

TargetA clear yes, no, or next step

Questions

Direct answers before the next click.

Is this only for single owners?

This page is for owners first. Teams should start with the team page.

Where should I check household pricing?

Start with single-owner pricing when owner-only, spouse, children, or family tier is the question.

Can I keep my other vendors?

Dental, vision, retirement, and other arrangements can be discussed during discovery.

Does USA OPS provide coverage?

No. USA OPS qualifies and connects. The PEO handles the coverage and administration.

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.