For CPAs, EAs, and financial advisors
Your client sent you a number. You can run the exact same math yourself.
When a client forwards you one of our reports and asks if it is real, you should not have to trust a vendor to answer them. Run their numbers on the same engine that produced the report, free, with no account. It uses the 2026 IRS tables and is built to be checked line by line. If it does not hold up, you will see that too.
The free verification tool. Run any client's numbers, no account, no login, nothing to install.
We do not give tax advice and we do not touch your client's return. We run the math and handle the placement. The tax work stays with you.
What just landed on your desk.
A client who is self-employed, nets six figures, and pays a lot for coverage on their own ran a calculator, got a number that looks too good, and sent it to you before they commit. Now you have to tell them whether it holds. The report was not produced in your office, so the honest answer is that you need to check it. Good. It was built to be checked.
Most pitches ask you to trust a summary. This one hands you the engine. Same inputs, same 2026 tables, same result.
We run the same tax math you would run.
There is no proprietary formula and no black box. The engine runs the calculation any competent preparer would run for a client weighing this structure, on the real 2026 federal and state tables. The savings figure is the output of that calculation, not a marketing number.
The report itemizes, for you to verify
The wage assumption is stated, so you can set it where the facts and your judgment put it.
Stated and itemized, for you to confirm against your client's situation.
Shown as a line, with the wage base it runs on, not buried in a total.
The client's state tables are applied and shown, because the result moves by state.
We do not render an opinion on any of these for your client. We show the inputs and the arithmetic. The judgment, the reasonable-salary determination, and the filing are yours.
Your client's return stays with you. All of it.
We stay in one lane on purpose, because a referral that threatens your relationship is worthless to everyone.
We do not give tax advice. Every tax question from your client goes back to you.
We do not prepare, review, or sign your client's corporate return.
We do not set the reasonable salary. We show an assumption you can change.
We do not sell, underwrite, or enroll the coverage. A separate licensed provider does that.
We do not pay you, and there is nothing for you to disclose to your client on our behalf.
What we do is narrow: run the numbers, generate a report you can audit, and hand the placement to the provider. You keep the client, the return, and the relationship. If anything, you keep them with one more reason to trust you, because you checked our work and stood behind the answer.
Run any client's numbers yourself. Free, no account.
It is the same engine that generated your client's report, open for you to use. Enter what they earn, what they pay for coverage now, and their team if they have one. You get the two numbers back, free, with no name, email, or login: the personal-finances picture, tax and coverage cost today against the group plan, and the company payroll picture. It runs live on the 2026 federal and state tables. Compare it to the report on your client's desk. It will match, because it is the same math.
When you want it on paper, the full CPA audit report generates for your client's exact figures with a checklist at the bottom that names every line item to verify: reasonable salary, the pre-tax treatment, FICA, state.
No account, no login. Run it for one client or ten.
"My CPA reviewed it and it checks out."
That sentence is the most convincing thing a hesitant owner can hear, and it is not ours to say. It is yours. When you run the numbers and confirm them, your client stops hesitating, not because a vendor told them to, but because their own accountant did. We built the report to make that confirmation fast and the math to make it honest, so the sentence is cheap for you to earn and safe for you to stand behind.
And if the math does not work for a given client, you will see that before they act, and you tell them no. The tool is just as useful for the no as for the yes.
Already spot the clients who would benefit?
If you understand S-corp structure and recognize the client who is self-employed, netting $90,000 or more, and overpaying for coverage on their own, you already know who this fits. You can point them at the calculator and let the engine qualify them. The referral does not compete with your work and does not change how you bill. There is no commission to explain, because we pay a flat rate and there is nothing to pay you. You keep the relationship and the tax work, the same as always.
Send the client to the calculator, or run their numbers yourself first to see if it is worth their time. The honest disqualification protects your credibility either way: if the math does not work, the screen says so, and your name is on a recommendation that held.
What your client is being placed into.
Not a loophole and not a workaround. It is an established structure large employers have used for decades: your client joins an existing large group and gets a national group plan they could not assemble alone. Coverage is the Cigna national PPO. Dental and vision are available through MetLife, and retirement through Vestwell, with room well above the individual contribution limit, which is the part a financial advisor will want to see.
The coverage is run by a separate licensed provider that is a NAPEO member and ESAC accredited. Those are verifiable credentials your client's accountant can confirm. USA OPS is the referral partner, not the provider.
Representative composite rates, set at enrollment. Your client's actual figures come from the calculator.
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.
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.
Run a client's number and see for yourself.
Run the math free, with no account and nothing to defend. If it does not beat what a client pays now, the screen says so and you have saved them from a bad move. If it does, you have given them the one confirmation that matters, from their own accountant. We only make money when a client we place actually comes out ahead, which is why we are comfortable handing you the engine.
The free verification tool. No account, no login. Run any client's numbers.
The questions CPAs ask first.
Is the math in the report something I can verify myself?
Yes. The same engine is free with no account. Reproduce the result on the 2026 federal and state tables and audit the report line by line. The checklist at the bottom names reasonable salary, the pre-tax treatment, the FICA effect with its wage base, and state, so every figure traces to a table you can open yourself.
Do you give my client tax advice?
No. Every tax question from your client goes back to you. USA OPS shows the inputs and the arithmetic, not an opinion. The corporate return, the reasonable-salary determination, and the filing stay with you. We run the math and connect your client to the provider; the tax work is yours.
Does this compete with my role or my fees?
No. It is a flat-rate product with no commission to explain. USA OPS handles the placement; you keep the tax work and the relationship. There is nothing for you to disclose on our behalf, and nothing about how you bill changes. If anything, your client keeps you with one more reason to trust you.
How does USA OPS get paid, and is there a referral fee to me?
We are paid a flat fee, earned only when a placed client actually comes out ahead. There is no payment to you and nothing for you to disclose to your client on our behalf. We are not paid to generate a lead or a meeting, and we do not earn when the answer is no.
What exactly is my client being placed into?
An established large-group structure: your client joins an existing large group and gets the Cigna national PPO, run by a separate NAPEO-member, ESAC-accredited licensed provider. Dental and vision are available through MetLife and retirement through Vestwell. USA OPS is the referral partner, not the provider. Representative plan tiers and their SBCs are linked one click behind.
Can I run numbers for more than one client?
Yes. There is no account and no per-use limit. Run it for one client or for any client who fits the profile: self-employed, netting $90,000 or more, and overpaying for coverage on their own. The honest disqualification protects your credibility either way, because the screen says so when the math does not work.