Plan C
HSA-qualified PPO tier. Current employee-only pricing starts at about $589 per month before the PEO administration fee.
Single-owner pricing
Single-owner PEO pricing starts with the math.
If you are one owner, earning $80,000 or more, and paying $700 or more per month for current coverage, the first question is simple: does the PEO structure leave you ahead after the monthly fee?
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Single-owner plan pricing
Current PPO plan tiers for one-owner cases.
Use the toggle to compare owner-only, spouse, children, and family tiers. These are current published plan tiers before final PEO and licensed provider approval.
National PPO carrier
National Tier 1 PPOPlan ALowest deductible
$880per month
National Tier 1 PPOPlan BBalanced
$723per month
National Tier 1 PPOPlan CHighest deductible
HSA approved$589per month
How to read the price
The tier is only the first number.
Use the published plan tier as the starting point. The real answer comes after the $150 monthly administration fee, your current monthly cost, household tier, entity setup, and payroll treatment are compared.
StartYour current monthly cost
Step 1Choose the household tierOwner only, spouse, children, or family can change the answer.Step 2Add the admin feeThe published plan tier is compared with the $150 monthly PEO administration fee.
Step 3Run the full numberIncome, entity, state, payroll, household tier, and current cost decide the result.NoStop or waitIf your current path wins, do not force the structure.
DecisionDoes the structure beat what you have?
YesMove to discoveryUse the call to confirm the facts the calculator cannot verify.
Verification laneThe price gets checked against the file.Final availability, eligibility, pricing, and terms come from the PEO and licensed provider. USA OPS helps confirm fit and route the case.
- Review plan documentsOpen the PDFs before the call.
- Confirm paperworkEntity, payroll, ownership, state, and timing.
- Set start timingClean files can move quickly after application.
Plan documents
Open the Cigna plan summaries before the call.
Each card opens the plan summary PDF in a new tab. Review deductible, copays, out-of-pocket structure, and the full coverage terms before moving into discovery.
Plan summaries
Plan A$1,000 deductible
Lowest deductible
Open the Cigna plan summary PDF and review the full benefits and coverage terms.
Plan B$3,500 deductible
Balanced
Open the Cigna plan summary PDF and review the full benefits and coverage terms.
Plan C$7,350 deductible
HSA approvedHighest deductible
Open the Cigna plan summary PDF and review the full benefits and coverage terms.
Decision
The price is only useful when it is inside the structure.
A lower monthly plan tier is not the whole answer. The PEO path changes where the coverage cost runs, how payroll is handled, how owner wages are organized, and whether the business can use a large-group plan instead of staying alone in the open market.
USA OPS shows the published plan tiers, then moves the owner to the calculator because the result depends on income, entity type, current monthly spend, household coverage, and payroll treatment.
For the calculation method behind the result, read how USA OPS calculates the number. For the plain overview of the model, read what a PEO is and when it fits.
What matters
What the owner needs to know fast.
Plan B
Balanced PPO tier. Current employee-only pricing is about $732 per month before the PEO administration fee.
Plan A
Low-deductible PPO tier. Current employee-only pricing is about $879 per month before the PEO administration fee.
When it makes sense
Best fit for owners who already know the price is broken.
This page is for the owner who is not looking for a lecture. They already pay too much. They need to know whether single-owner PEO placement creates a better number and better access than the path they are on today.
The practical comparison is current monthly cost against the PEO plan tier, the $150 monthly administration fee, and the tax-aware payroll structure.
Owner-only, owner plus spouse, owner plus children, and family tiers can all change the answer. Use single-owner pricing to compare the household tier before the discovery call.
Path
How a qualified owner moves from first look to decision.
Confirm fit
The owner should usually be at $80,000 or more in 2026 income and $700 or more in current monthly coverage cost.
Run the 2026 math
The calculator compares the current path against the PEO path, including the $150 monthly administration fee.
Use the call for precision
The discovery call checks entity setup, household tier, paperwork, timing, and what the PEO will need.
Related guides
Related owner guides.
Use these guides to compare entity type, work style, household tier, and current monthly cost before the discovery call.
Self-employed coverageThe main guide for owners who work for themselves.LLC owner coverageHow the structure changes when the business is an LLC.S-corp owner coverageHow payroll and owner wages affect the math.Sole proprietor coverageWhen a sole proprietor should look at entity and payroll setup.1099 contractor coverageThe path for contractors paid outside W-2 employment.Freelancer coverageA fit check for creative, technical, and advisory solo work.Fractional executive coverageThe path for fractional CFOs, CISOs, COOs, CPOs, CEOs, CTOs, and other high-earning independent leaders.Self-employed PPO coverageWhy the PPO network matters before the price matters.One-owner small business coverageThe guide for a business with one owner and no employees.
Questions
Ask only if the calculator is not enough.
The preferred path is still the calculator because fit is math-driven. Use this form for a simple question about entity setup, household tier, paperwork, or timing.
FAQ
Single-owner PEO coverage questions
Do I need employees to qualify?
No. This path is for one-owner businesses. Fit still depends on income, current monthly coverage cost, entity setup, state rules, payroll, and provider approval.
Is the $589 plan tier available to every owner?
No. Published plan tiers show the current single-owner options. Final availability, eligibility, and terms come from the PEO and licensed provider.
How long does setup take?
Once the owner applies and provides the paperwork, the discovery call explains the timing. The target is roughly three weeks when the file is clean and complete.
What does USA OPS do?
USA OPS qualifies the owner, runs the 2026 math, explains the structure, and connects qualified cases with the PEO path. USA OPS does not sell, underwrite, enroll, or administer coverage.