Flat-fee broker for owners and small teams
Built for the businesses big PEOs won't bother with.
Real group coverage, a flat $150 a person held flat, and a calculator that shows your exact 2026 cost in the structure versus out, before you talk to anyone.
Media coverage of the 2026 ACA changes
Group plan network, retirement, and accreditation partners
The 2026 reset
The subsidy that hid the problem is gone.
At the start of 2026, the enhanced ACA subsidies expired. If you are self-employed or running a small team, you now pay full retail for coverage, with after-tax dollars, at the worst point in the market for someone at your income. The major networks reported on it as it happened.
First step, thirty seconds
Nobody enjoys this. We made the first step quick.
Dealing with coverage and payroll taxes is the errand everyone puts off. So the first step takes thirty seconds and zero paperwork. Put in what you earn and what you pay. See your number. No name, no email, no call.
Solo / Self-employed
See What Your Health Coverage Actually Costs You
Federal estimate. State taxes vary. Typical numbers, not guaranteed. Above $185K net income, self-employment tax phases out and narrows the gap. Run the full calculator for your exact figures.
A 30-second look to show you the shape of it. The full engine gives you the exact figure for your situation.
Your real number
Your real number, not a sales call.
Compare your current setup against the right PEO structure, side by side, run against the actual 2026 IRS and state tax tables. No email, no phone, no gate. You see real numbers first. Share your contact only at the end, and only if you want the full CPA-ready report.
The line
Who this is for, and who it is not.
This works if you are an owner netting $90K or more in 2026 and paying at least $500 a month for coverage, on your own or with a team up to 25. Below that, the math usually does not justify the fee, with one exception: if you want serious coverage now and you expect your income to climb, getting the structure in place can pay off. At $100K and up, you are squarely where this works. The closer you are to $185K, the more it is costing you to stay where you are. The calculator will tell you which side of the line you are on.
The reveal
What the structure actually changes.
Say you pay $900 a month for coverage today. Because you pay it with after-tax dollars, you have to earn about $1,300 to cover it. Inside the structure, the same coverage carries an $880 sticker, but because it is pre-tax, it effectively costs you about $650.
You earn about this much every month just to cover a $900 premium.
The same coverage carries an $880 sticker and effectively costs you about this.
You earn $1,300 to stand still today. You would spend about $650 to come out ahead, on a better plan.
Illustrative figures. Your real number depends on your income, your state, and what you pay now. Typical results, not guaranteed.
What you get
Big-company coverage, built for your size.
- ✓Cigna national PPO. Doctors everywhere, no referral, because it is a PPO.
- ✓Pre-tax through payroll, instead of after-tax out of pocket.
- ✓A flat $150 a month, held flat.
- ✓401(k) room far above the IRA limit. MetLife dental and vision, available on their own.
- ✓The same Cigna group plan for your team, at composite rates, not age-rated individual pricing.
- ✓You set the employer contribution. Your team enrolls during onboarding.
- ✓One plan across every state your people work in.
Your CPA keeps the corporate return and sets your salary. You keep control of your company.
The plans
Tier-1 national PPO group plans. Composite rates.
Rates come from a pool of 150,000+ covered lives. Your age does not determine your price.
The operations layer
The rest of the back office, included.
A PEO does more than the coverage. It runs the entire back office a big company has, payroll through legal, all of it off your desk and included in the flat fee.
The fee
A fee that stays put.
The PEO charges about $1,800 a year, per insured person. We put that number front and center, with no hidden fees and no percentage games. It earns its place because the PEO runs a pool of 150,000+ covered lives, and that scale is what produces the composite group rates that more than offset it. Carrier and workers' comp rates move with the market over the years, like they would anywhere. The admin fee does not get re-rated. Big PEOs run low first-year pricing and raise it once you are in. This is the opposite.
- ✓Payroll and filings
- ✓Group plan access at composite rates
- ✓Workers' comp pay-as-you-go
- ✓SUTA stabilization
- ✓EPLI
- ✓HR support
- ✓One point of contact
Month to month. No long-term contract.
- ✓Payroll and filings
- ✓Workers' comp pay-as-you-go
- ✓SUTA stabilization
- ✓EPLI and HR support
- ✓One point of contact
Add $75 to upgrade to group plan access later. Month to month.
How it works
How it works, and what you keep.
Co-employment is an IRS-recognized structure that has existed for decades. Your payroll and compliance filings move under the PEO's tax ID, which lifts the quarterly payroll-tax liability off your own books and puts EPLI and the compliance shield on your side.
- ✓You run your company. Day to day, nothing about how you operate changes.
- ✓Your CPA stays in place, setting your salary and filing your corporate return.
- ✓You can leave. The PEOs we place into run on standard PrismHR, with a flat fee that stays flat.
The horror stories about losing control come from big PEOs built for big companies. Not this.
The one requirement
You file as an S-corp or C-corp.
That is the only structural change on your side. A single-member LLC elects S-corp as part of onboarding, and your CPA handles the filing. It is routine.
- ✓IRS-recognized, decades old, not a loophole.
- ✓Handled at onboarding, so there is nothing for you to file yourself.
If you have a team
If you just gave everyone money instead.
If you have employees, you have probably been pitched the cheaper option: give each person a set amount every month and let them buy their own coverage. It caps what you spend, which is the whole appeal. The catch is the plan they end up with.
Cheaper for you.
You cap your cost and walk away. Each of your people buys on their own and takes what they can get: smaller doctor networks, prices that climb with age and hit your most experienced people hardest, a different plan for everyone, and deductibles high enough that the plan barely helps until they have spent thousands.
Better for your people.
One real plan on a national PPO for the whole team, the kind of coverage a big company offers. And it takes payroll, workers' comp, and the filings off your desk at the same time.
The cash route is cheaper for you. The group plan is better for your people, and it handles your back office too.
Included at no extra charge
What else you get.
Every active client receives the core PEO structure plus these operational tools at no extra charge.
Professional e-signature
$300 value · IncludedSend and receive legally binding contracts from your own account. No more PDFs chased over email. Replaces a standalone DocuSign subscription.
Domain email
$12 value · Included[email protected]. The address that tells a client or vendor you run an actual business. Hosted, managed, and set up for you.
AI-search-ready web page
$500 value · IncludedBuilt by devgento.com, a one-page brochure for your service, optimized for AI search visibility in Perplexity, ChatGPT, Claude, and others.
Due diligence
Before you sign with any PEO.
Most PEOs are built for large companies. Watch for the ones that dictate your salary, route you through a phone tree, lock you into proprietary software, or pitch cheap coverage without the structure behind it. If a PEO will not answer straight on any of those, walk away. We answer straight, and the calculator is the proof: the number is in front of you before anyone asks for your contact.
Do I lose control of my business? +
The PEO charges about $1,800 a year per person. Why pay it? +
Will my costs jump in a few years? +
Can I leave? +
What happens to my CPA? +
Is co-employment a loophole? +
What is the catch? +
2026
In 2026, you found the broker built for your size.
This is all we do. We serve a single owner or a team up to 25, efficiently and transparently, without the big-PEO games. The next step is your number.
From your results you can share a CPA-ready link, start an application, or ask a question.