The coverage a big company gets
You are priced by your size. You can get the coverage a big company gets instead.
On your own, you are priced as a group of one. With a team, you are priced as a small group that re-rates every year. Either way, as an owner you can get inside a real big-company group plan, on better terms, and see your own 2026 number first, free, before you tell us anything.
The plan a big employer gives its people is not closed to a business your size. There is a door no one pointed you to. See your number before you give us a thing.
No name, no email, no phone to see your result. No salesperson, no one calling you.
A sample shape · solo owner
A sample shape, not your number. Yours comes from the calculator in under a minute.
We only make money when the math actually leaves you better off. If it does not, the number tells you, and so do we.
How a business your size gets a big company's plan.
A 500-person company gets better coverage at a better price than you can, because it buys as one large group instead of as a group of one or a small group. You can join a group like that, whether your business is just you or a team. The plan is a national PPO, priced on the whole group, not on your size. Your premium runs through payroll. Your doctors stay the same.
We are not the plan provider. A separate licensed provider runs the coverage. We run the math and connect you.
You were priced as a group of one and told that was the cost of working for yourself. That's why this exists, and it's why we only earn when the structure actually leaves you better off.
How the price is set
You don't build a group. You join one that already exists.
No one calling you
Everyone is pitching you. We just hand you the numbers.
Your name is on a list, so the brokers, the agents, and the ICHRA reps keep calling. None of them show you a number. They want a meeting. Here you get the opposite: your own real figures, with no one calling you. What this does to your personal finances, your tax and coverage cost, and what it does to your company's payroll costs. Read them yourself, then decide if you ever want to talk.
Your personal finances
Your tax and coverage cost today, against what you would pay inside the group plan.
Your company's payroll costs
Run the same way, live on the real 2026 tables.
This is built for a specific owner.
Clear all three and the math usually works in your favor.
Your income, not your team's.
What reaches the premium today.
Taxed as an S-corp or C-corp, or willing to elect.
Probably not you if
This probably won't beat what you have. We'd rather tell you that for free than sell you a yes.
Close to the line but expect your income to climb this year? Setting up early means it's running when the income arrives. Worth a look.
Find your situation
Start where you are.
Three owners, one door. Pick the one that sounds like you and run your own 2026 number.
Already know this fits? Run your number
It's just me
You were told a business of one cannot get a real group plan. It can. You do not build a group, you join one that already exists. The same setup can also lower what you lose to taxes. See your coverage number and your tax number, free.
Run it as a solo ownerI have a team
You know group coverage. You also know it climbs every year and buries you in admin. This is the version priced as one big group, on a flat fee per person, with payroll, filings, workers' comp, and HR off your desk.
Run it for your teamI just went independent
COBRA is the first honest price you have seen, and you earn too much for a subsidy. There is a third option the marketplace will not show you.
Run itNone of these exactly you? Clear the three conditions above and run your number anyway. The engine does the work. You read the result.
The coverage a big company gets
Do not take our word for it. Run your own number.
Enter what you earn, what you pay for coverage now, and your team if you have one. You get two numbers back, free, with no name, email, or phone. Your personal finances: your tax and coverage cost today against what you would pay inside the group plan. And your company's payroll costs, the same way. It runs live on the real 2026 federal and state tax tables. If it doesn't beat what you pay now, the screen says so.
No name, no email, no phone to see your result.
Want it in writing? The full CPA audit report, generated for your exact numbers, is yours to hand your accountant, built to be checked line by line.
What you actually get.
Picture a national PPO card in your wallet, your doctors unchanged, your premium running through your own payroll, and a number your accountant signs off on.
The kind a large employer offers, through Cigna.
Your CPA confirms the exact treatment for your situation.
Available alongside the medical plan.
Room far above the individual limit.
Real group coverage for your people at one group rate, one plan across every state they work in.
Plus payroll, filings, workers' comp, and HR off your desk. Priced as one group, not as a stack of individuals.
- Payroll, run for you
- Filings and compliance
- Workers' comp
- HR support on call
Included with every active account.
We run a business too, so we include the things every owner actually needs, at no extra cost.
A professional email account
On your own domain, through Zoho.
$12 value
Legally binding e-signatures
A Documenso Pro account, for signing and sending real documents.
$300 value
Fast, AI Indexed, PEO Smart Page
Designed and hosted for you by devgento.com, built to be found by AI search.
$1,500 value
About $1,800 a year in tools, included.
Most brokers hand you a phone number. We hand you a business stack.
The plans, and what it costs.
Representative composite rates. Your actual rate is set at enrollment, and your own number comes from the calculator.
The fee
One flat fee per person, month to month, no long-term contract. The fee doesn't climb when you pay yourself more or add a person.
How you know it holds up.
You see your number before we see you. Your own CPA gets the final word: the full CPA audit report we generate for your exact figures is built for your accountant to check line by line. We tell you when it doesn't fit, because we only earn when it does.
This is not a loophole. It's an established structure big companies have used for decades, run through a NAPEO-member, ESAC-accredited provider on the Cigna national PPO, on the real 2026 tax tables.
Your accountant can verify every figure.
The provider is a NAPEO-member, ESAC-accredited provider
In the news
The 2026 cost shock made national news.
When the 2026 subsidies ended, the squeeze on owners and the self-employed was covered across the major networks. The cost structure was always there. The news just put it on everyone's screen.
Millions face the ACA subsidy expiry
The quiet fallout from higher ACA premiums
How the end of ACA subsidies is squeezing owners
Premiums set to skyrocket Jan. 1
Millions of Americans in limbo
Health premiums set to soar
Unedited segments from each network's own coverage. USA OPS is not affiliated with or endorsed by these outlets.
The coverage a big company gets
See your own 2026 number.
Run the math free. No call, no email, no salesperson. If the structure doesn't beat what you pay now, the screen tells you so and you owe us nothing, because we only make money when an owner we connect actually comes out ahead.
Your exact 2026 number, free. The full report when you want it.
After the 2026 subsidies ended, the average renewing buyer's net premium rose about this much. Every renewal you wait, the age-rated price climbs again. The structure that changes it is decades old.
The things owners ask first.
Can a one-person business really get a real group health plan?
Yes. You don't build a group, you join a large one that already exists. A solo owner who takes a W-2 salary through an S-corp can be placed inside a national group plan as a member of that group, instead of buying an age-rated individual plan alone. The plan is priced on the whole group, not on you. Run your number to see what it changes for you.
What does it cost?
One flat fee per person, per month, month to month, with no long-term contract. It is $150 per person for the full stack, or $75 for compliance only without the group plan. The fee doesn't climb when you pay yourself more or add a person. Your own number, against what you pay today, comes from the calculator.
What is the catch, and how do you get paid?
No catch, and the incentive is plain. We charge a flat fee and we only earn when an owner we connect actually comes out ahead. If the structure doesn't beat what you pay now, your result says so and you owe us nothing. We would rather give you an honest no for free than sell you a yes.
I just elected S-corp. How do I get coverage too?
Taking a W-2 salary is the bridge. Once you run payroll for yourself, you can be placed inside a real group plan and pay the premium through that payroll. Run your number first, then we walk you through the exact order of steps for your situation.
Do I have to give my contact details to see my number?
No. The number renders from your inputs with no name, email, or phone. You only share a contact detail if you want the full report sent to you and your CPA.