Busy owner
You do not have time to study PEO structures or chase a broker who will not tell you whether the path fits.
Qualification
Two figures decide whether this is worth your time.
$80,000 or more in net business income. $700 or more a month for coverage now. Clear both and a group structure through our PEO partner usually deserves a look.
This page tells you where the line sits before you enter anything. If you are under it, the honest answer is to stay where you are.
Who this is for
Owners who need relief, not a lecture on PEO theory.
Real coverage needs, real income, and a monthly bill that already hurts. Often a family on the plan. Often COBRA, or a narrow regional network, or an individual plan that stopped making sense.
High current cost
You are already paying serious money every month, so testing a different structure is worth an afternoon.
Ready to act
If the numbers work, you are prepared to answer underwriting questions rather than browse.
Not for everyone
This probably is not your move if any of these are true.
Low current cost
Your coverage is cheap and you are happy with it. There may be nothing here to solve.
Below the income line
The business is not yet netting $80,000. The economics usually do not hold at that level.
Covered elsewhere
You are on a spouse's plan and pay little or nothing. Any gain would be tax-side, not cost-side, and it is a different calculation.
The honest no
A no now is not a no forever.
If the figures say stay put, that is the answer, and you saved yourself a sales process.
Income moves. Coverage cost moves. Run it again when your net business income crosses the line or your monthly cost climbs, and the answer can change.
USA OPS is paid only when a placement actually fits and lasts, so there is no reason for this page to tell you yes when the answer is no.
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.