You're paying $10,000–$15,000/year for health insurance. In 2026, you have to earn $13,000–$20,000 just to cover that bill.
The enhanced ACA premium tax credits for marketplace coverage expired at the end of 2025 [source: congress.gov]
We connect your small business to a Professional Employer Organization so you can access Fortune 500 health plans with pre-tax premium treatment at a flat fee of $150/month per person.
We built this because we had the same problem. We were bleeding cash on retail health premiums, paying with after-tax dollars, and watching Fortune 500 companies shelter the same costs through IRS-approved payroll structures. We found the way in. Now we connect other small businesses to the same infrastructure.
If you’re self-employed or run a small business (1–75 employees), you’re buying health coverage the wrong way. You’re paying full retail premiums with money the IRS already taxed your income tax first, FICA second, then the premium. Same doctor visits. Entirely different tax treatment.
Fortune 500 companies shelter premium costs through pre-tax payroll structures. We connect you to the exact same infrastructure. You access group health plans at corporate rates. Premiums come out before taxes. The structural leak stops.
Fixed Transparent Pricing
$150 Per Person. Per Month.
No Percentage of Payroll. No Hidden Tiers.
Traditional PEOs charge 2% to 12% of your payroll. If you net $150,000 and they charge 4%, you pay $6,000/year before accessing a single benefit. At 8%, that’s $12,000. At USA OPS, the base rate is $150/month per person ($1,800/year for a solo operator), and you add only what you actually use.
What $150/month includes:
- Payroll processing + quarterly tax filing (941s, W-2s, state filings)
- Access to large-group PPO health plans (tier-1 national carriers, composite-rated)
- Workers’ compensation (pay-as-you-go, no deposits, no year-end audits)
- HR support by phone (termination guidance, compliance questions, employee disputes)
- Employment Practices Liability Insurance (EPLI coverage typically $3,000–$8,000/year when purchased separately)
Optional add-ons (you choose what you need):
401(k) Retirement Plan - Optional
- Solo operators: $620/year
- Groups of 2+: $2,100 base + $120/person + 1% annual management fee
- Shelter up to $23,500 annually (vs. $7,000 IRA limit)
- Or bring your own self-managed 401(k) no requirement to use the PEO’s plan
Dental Coverage - Optional
- Single: $20/month
- Employee + Spouse: $42/month
- Employee + Children: $43/month
- Family: $68/month
Configurability Traditional PEOs Don’t Offer
Example: 10-person team where only the owner takes health coverage.
- Owner with health coverage: $150/month
- 9 employees (payroll/HR only, no health): $100/month each
You pay for what you use. No forced bundling. No one-size-fits-all pricing models.
For teams over 10, the fee structure becomes more flexible. The math improves as headcount increases, not the reverse.
Two Situations. One Structure. Read Yours
Single LLCs & Independents
One Professional. Netting $100K+
You manage your own books, write off every legitimate expense you can, and navigate your own health insurance on the retail market. You are likely deducting your premiums using the self-employed health insurance deduction, hoping the IRS doesn’t audit the mechanics of your S-Corp setup. We move you out of the retail market and into a corporate master pool, securing your pre-tax deduction flawlessly.
Founders & Owners with W-2 Payroll
Managing 2 to 25 Employees.
You carry the responsibility for your crew. You are running W-2 payroll through standard software like Gusto or Intuit, but you are getting crushed by small-group health renewals and January workers’ comp deposits. You are paying retail rates because your risk pool is 10 people instead of 100,000. We move your exact team into a Fortune 500 risk pool, dropping your premiums and eliminating workers’ comp deposits entirely.
Group Health Plan Options
- Annual Deductible: $1,000
- Out-of-Pocket Max: $5,000
- Primary Care Copay: $20
- Specialist Copay: $40
- Pharmacy: $15 Generic / $45 Brand
- Annual Deductible: $3,500
- Out-of-Pocket Max: 7,350
- Primary Care Copay: $45
- Specialist Copay: $90
- Pharmacy: $15 Generic / $65 Brand
- Annual Deductible: $7,500
- Out-of-Pocket Max: 7,350
- Primary Care Copay: $50
- Specialist Copay: $100
- Pharmacy: $15 Generic / $65 Brand
The Structure Is Called a Professional Employer Organization.
The Tax Reality: You are currently priced as an individual. You pay income tax, then FICA, then your premium. Corporations pay premiums before taxes through Section 125 plans.
The Legal Mechanism: A PEO uses “co-employment.” You legally group your staff with a massive organization, placing you inside their master health contract and shifting the payroll tax liability to their infrastructure.
The USA OPS Difference: Traditional PEOs charge a percentage of your payroll (penalizing your growth) and require 50+ employees. We secured a flat $150/month rate for teams as small as one.
What You Actually Get for Health Coverage
Current situation (buying on your own):
- Age-rated premiums (a 58-year-old pays 3x what a 28-year-old pays)
- Community-rated by zip code (expensive markets = expensive premiums)
- Small-group or individual market plans (narrow networks, high deductibles)
- After-tax dollars (you lose 30–40% to taxes before paying the premium)
Through the PEO’s large-group plan:
- Composite-rated (everyone pays the same rate regardless of age)
- Master group contract (pooled with 150,000+ employees for actuarial stability)
- Tier-1 national carriers with broad PPO networks
- Pre-tax dollars through Section 125 (saves 30–40% immediately)
Real Example:
A 52-year-old consultant netting $150K currently pays $1,100/month for an individual Silver plan with a $6,000 deductible and a narrow HMO network. That’s $13,200/year in after-tax dollars.
Through the PEO’s large-group PPO, the same person pays $850/month (composite rate) with a $3,500 deductible and national network access. The $850 is deducted pre-tax, meaning the actual cost after tax savings is roughly $550/month, or $6,600/year. See the Calculator
Result: $6,600 in annual savings + $2,500 lower deductible + broader network = better coverage at half the cost.
Why USA OPS and Not a Direct PEO Search
“We” business owners are hardwired to cut out the middleman. You could search “PEO” right now and try to go direct. Here is the reality of the legacy market:
- The Minimums: Most firms won’t even talk to a business under 50 employees.
- The Percentage Trap: The ones that do will price by a percentage of your payroll — usually 2% to 12%. If you net $150,000 and the PEO charges 4%, you pay $6,000/year before accessing a single benefit.
- The Sales Gauntlet: You won’t get that number until after weeks of pipeline sales calls.
We are an access point. USA OPS was built by a small business owner who ran that exact sales process. We aggregated the demand and pre-negotiated the absolute best fixed-fee terms so you don’t have to. You bypass the gatekeepers and access institutional pricing on day one.
At USA OPS, the base rate is $150/month ($1,800/year), and you add only what you actually use.
Our interests are completely aligned with yours. The PEOs want our volume. As new and better services become available, we automatically negotiate them into the ecosystem for our clients.
We sit in the same seat as our clients. We know exactly what administrative tools a business actually needs. Every active client gets the PEO structure plus the operational plumbing to run it.
Professional E-Signature
Included for No Extra Charge
Send and receive legally binding contracts from your own account. No more PDFs chased over email. Replaces a standalone DocuSign subscription
Domain Email
Included for No Extra Charge
[email protected]. The address that tells a client or vendor you run an actual business. Hosted, managed, and set up for you
Managed WordPress AI Search Ready
Included for No Extra Charge
One page, your service, your market, your contact. Configured for AI search visibility. You don’t manage it or host it. It runs. When someone searches for what you do in your area, you show up.
The Vetted B2B Hub
You need secondary services. Service providers want access to you. USA OPS acts as the ruthless filter.
We do not sell your information. We do not share your contact details. We do not pitch you services you didn’t ask for.
This is an opt-in resource. If you need one of these providers, you request an introduction. We connect you to the right match. That’s it.
Cybersecurity Insurance
Access on Request
If you handle client data, process payments, or work in a regulated industry, this is not optional coverage. We connect you to the right policy without a commission-driven broker steering you to the wrong coverage.
Financial Review
Access on Request
A structured look at your numbers by someone who knows what to find. Not an IRS audit. A profitability review that identifies where your business is losing money before it loses more of it.
Fractional CFO Services
Access on Request
You need a CFO who understands S-Corp structures, cash flow management, and pre-tax benefits optimization. We connect you to fractional CFOs who work with businesses your size, not Fortune 500 enterprises.
Business Valuation & Exit Planning
Access on Request
If you’re preparing to sell or bring on a partner, buyers walk when they see messy payroll and no HR infrastructure. We connect you to M&A advisors who prep your business for a clean exit and higher valuation.
Legal Entity Structuring
Access on Request
Moving from sole proprietor to S-Corp or adding partners requires legal setup beyond what your CPA handles. We connect you to business attorneys who specialize in entity formation and operating agreements for small businesses.
Tax Strategy & Planning
Access on Request
Your CPA files your return. A tax strategist finds the deductions and structures you’re missing. We connect you to enrolled agents and tax planners who specialize in S-Corp optimization and pre-tax benefit stacking.
Commercial Insurance Review
Access on Request
General liability, professional liability, and business owner’s policies are often overpriced or under-covered. We connect you to commercial insurance advisors who audit your existing policies and find the gaps.
IT & Cybersecurity Infrastructure
Access on Request
If you’re not running endpoint protection, encrypted backups, and secure email, you’re not insurable for cyber incidents. We connect you to IT consultants who lock down your infrastructure before you need a claim.
Who This Is Built For
Solo Operators
Sole Props and Single-Member LLCs
Need an S-Corp election before the structure is fully active. This is a standard IRS tax classification filing not a change in ownership or how you run the business. Most CPAs complete it in a few weeks. If you’re unsure whether you need it, the 20-minute call answers that first.
Existing S-Corps
Already Structured Correctly
If you’re already running payroll through an S-Corp, you can typically be inside the PEO structure within 30 days of completing the qualification process. No entity change required.
Small Teams
5 to 25 W-2 Employees
The structure works for any business with W-2 employees, not just solo operators. The health coverage, workers’ comp, and SUTA rate stabilization are where teams see the largest immediate financial impact.
Larger Teams
10 to 75 People
The $150 flat rate holds as the starting point. For teams at this scale there is flexibility on the fee structure and the math gets more favorable as headcount increases. Run the calculator or book the call for your specific numbers.
We work with solo operators and small teams (1–25 employees) who net $100K+ and need Fortune 500 infrastructure without Fortune 500complexity.
Our High-Earning Operators Who Run Lean
Fractional CFOs, COOs, CMOs
You bill $150–$300/hour, net $150K–$300K, and pay $1,200+/month for retail health coverage. You optimize clients’ tax structures but you’re still paying for benefits like a W-2 employee who left corporate. We fix that.
Independent Consultants & Strategy Advisors
Management consulting, operations, process optimization you run a one-person high-margin business netting $120K–$250K. The ACA subsidy cliff just turned your health premium into a $15K+ annual tax bill. We route it through Section 125 and cut that in half.
Solo Attorneys & Legal Consultants
You left the firm to go solo or of-counsel. You’re netting $150K–$300K but paying retail health rates and handling your own payroll compliance. We give you the liability protection (EPLI), pre-tax benefits, and compliance infrastructure you had at the firm without the firm.
Concierge Doctors, Therapists, Dietitians
You help people with their health but you’re stuck with terrible health insurance yourself. Private practice nets you $120K–$250K, and you’re paying $1,000+/month for narrow-network HMO coverage. As a healthcare professional, you know this is broken. We fix it.
Small Agencies & Creative Firms
Marketing, dev, design, PR you run a 2-to-10 person team with strong margins, but small-group health premiums and workers’ comp deposits are killing your cash flow. You want to offer real benefits to keep your best people, but the retail market makes that impossible. We unlock Fortune 500 rates.
Remodeling Contractors
What You’ll Hear When You Ask Around
Your CPA, attorney, or insurance broker will likely push back. Here is exactly why and what the math actually says.
“You’re giving up control of your company.”
The Reality: Your bank accounts, clients, and operational decisions stay exactly where they are. Co-employment strictly transfers compliance liability; it does not transfer ownership or operational authority
“I already use QuickBooks or Gusto.”
The Reality: Payroll software processes checks. It cannot move your premiums to pre-tax treatment, place you in a Fortune 500 risk pool, or transfer your IRS audit liability
“This sounds like ADP.”
The Reality: ADP prices by a percentage of payroll. At $150,000 in net income, legacy PEOs take $3,000 to $9,000 a year before you get a single benefit. We charge a flat $150.
“My insurance broker already handles my benefits.”
A broker sells individual and small-group coverage and earns a recurring commission on your plan. They cannot place you in a large-group corporate plan that requires co-employment, which a broker cannot arrange. The coverage inside a PEO master contract is not available on the open market at any price. This is not a broker product.
“Why hasn’t my CPA mentioned this?”
Most CPAs are tax advisors, not benefits architects. They know how to file your return inside your current structure they’re not typically in the business of restructuring how your business is classified for employment purposes. This is a different category of advice, and most general practice CPAs have never set one up.
The calculator will tell you if the structure makes financial sense for your specific situation. We don’t take clients where the math doesn’t work. If your numbers don’t qualify, it will say so and explain why.
We Work In Both Directions.
USA OPS communicates small businesses every day. Some of them need a better accountant. Some need a bookkeeper who understands S-Corp structures. Some need a payroll specialist who won’t give them bad advice about HSAs and call it tax planning.
USA OPS maintains a referral network of CPAs and accountants who are informed about PEO structures and don’t steer their clients wrong. If you come through USA OPS and need that kind of advisory relationship, we can make that introduction. If you’re a CPA who already recommends PEO structures to your clients, we should talk the referral relationship runs both ways and your clients get the same flat $150 rate.
For Business Owners
Need a CPA Who Actually Knows This Structure?
Most general CPAs have never recommended a PEO to a client. We can connect you with advisors who understand S-Corp elections, FICA treatment, and how to stack this structure against your existing write-offs correctly.
For CPAs and Accountants
Already Recommending PEO Structures to Your Clients?
USA OPS gives your clients direct access to a PEO at a posted flat rate with no sales process. If you’re already having this conversation with your client base, this is a resource worth having. Referrals go both directions.
20 Minutes. Your Numbers. No Commitment.
We pull up your calculator results, confirm the math is accurate for your specific situation, and walk through what the first 30 days look like. If this structure doesn’t make financial sense for you, we’ll say that on the call. We’d rather you know upfront than find out after the paperwork starts
- No sales team and no handoff after the call
- Calculator results reviewed before the call
- If the math doesn’t work, you’ll see it instantly