For a business of one
You do not need to care about a PEO to care about the money leaving your account every month. If you own a U.S. business with no employees, clear about $80,000 or more, and pay about $700 or more for your own coverage, your current path may be the expensive one.
USA OPS runs your 2026 federal and state numbers before a sales call. The first screen shows whether a large-group path may put you ahead, and it tells you to stay where you are when the math does not hold.
No fee and no contact for the first result.
AI voice assistant
We are here and happy to explain any page, answer questions, and walk you through the number flow while you read. No contact information needed to start.
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Single-owner paths
Every path leads back to the same test: one owner, roughly $80,000 or more in 2026 income, and about $700 or more in current monthly coverage cost.
The single-owner gateway
Start here
Entity paths
Fractional executive paths
Work style paths
Owner fit
Strongest money case
Your current coverage is usually paid on the retail path, with after-tax dollars. This is the strongest owner case because the engine checks whether changing the business path and joining a large group may leave more money in your pocket after every fee and tax assumption.
Access and predictability case
The tax lever may already be partly used. That changes the question. The calculator looks for access, predictability, and whether the group path is worth it at your current premium without promising automatic savings.
What changes
Current path
Retail coverage, retail renewals.
A business of one is usually told to buy alone and absorb each annual increase.
Group path
Join a large group that already exists.
That is where the national PPO access, payroll path, and cost comparison come from.
USA OPS role
Qualify, calculate, connect.
We are not the plan provider. A separate, licensed provider runs the plan.
2026 timing
The 2026 marketplace reset matters most to owners above the subsidy line. If you are paying full price, each month under the current path is a month you cannot get back. The structure's tax treatment starts when it is in effect, not when you file.
Math first
Your entity, state, current premium, and coverage tier set the comparison.
Your current path sits next to the group path before USA OPS has your contact details.
A six-digit text code opens the line-by-line report for your CPA or adviser.
If the number is weak, staying where you are is the answer.
Clear no
This probably is not a fit if your current coverage is already low cost, a spouse's plan already solves the problem, you expect a subsidy to cover the bill, or you want USA OPS to make tax, legal, or medical decisions.
See the owner number
No fee and no contact for the first result.
Choose what you allow. Nothing here identifies you, and your inputs to the calculator are never shared until you request the full report.
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