Your current path
Your present monthly coverage cost, annualized on the household or employee setup you enter.
Group health rate calculator for owners and small teams
Compare what you pay now with a group-plan path on your own 2026 figures. The calculator applies your state, entity, income, current coverage cost, household tier, and team size, then shows the first result before asking for contact details.
- Your number appears first.No name, email address, phone number, or payment is required for the first result.
- The result is personal to your inputs.It is not a national average disguised as a personalized answer.
- The 2026 tax context is included.The full report shows the assumptions so your CPA can check the work.
Start the group health rate calculator
The calculation method, inputs, outputs, and limits are documented below and on How we calculate your number.
What this group health rate calculator calculates
The engine builds two paths from the same facts: what you pay now and what the same year may look like through a group plan. It then applies the relevant 2026 tax context so the result is a bottom-line comparison, not a monthly rate by itself.
The group-plan path
The published plan tier you select, plus the PEO fee and the business structure required to reach the group.
Your personal or company model
A solo owner sees the federal and state tax position on both paths. When you have employees, the result also compares the business cost of current separate plans with one group structure.
The inputs that create your number
This page does not ask a visitor to choose from a broad cost range. The result moves when these facts move:
- your expected net business income for 2026,
- what you pay each month for coverage now,
- your state,
- your business entity or planned entity,
- your household or plan tier,
- your team size when employees are included.
How the 2026 number is built
The HTML on this page states the calculation scope directly so a person, Google, or an AI search engine does not have to infer what the embedded tool does.
Current cost is the baseline
The calculator starts with the monthly coverage cost you enter and carries it across the year.
The plan tier and PEO fee set the group cost
The model uses the published group-plan tier you select and counts the $150 per-person monthly PEO fee. The group path must clear that fee and any change in plan cost before the move is treated as financially useful.
Federal and state context is applied
The engine uses the 2026 federal tax tables and the applicable state schedule for the inputs provided.
The two paths resolve to one comparison
The result shows the modeled difference and can tell you when the group path does not improve your position.
See the full calculation method, boundaries, and source categories.
The number is free. The full report has a text-code gate.
You do not exchange contact details for the first result. If the result deserves a closer look, you can choose to provide your name and phone number. A 6-digit text code then opens the full line-by-line report.
Before contact
Your first answer, personal summary, team summary when applicable, and three plan tiers appear on screen.
After the text code
The full report opens each line, input, assumption, and modeled difference so your CPA can review it.
What remains outside the calculator
Your CPA decides tax treatment. The licensed provider decides final availability, underwriting, enrollment, pricing, and effective dates.
See an annotated sample report before deciding whether to run your own number.
Use the calculator for one owner or a small team
The first questions identify which model to build. A business of one receives the owner comparison. A business with employees adds the company coverage model.
One owner or one household
- Compare current personal coverage cost.
- Review the three published household tiers.
- See how entity, state, income, and the PEO fee affect the 2026 result.
Owner with employees
- Add employee count and current company cost.
- Compare the current separate-plan path with one group structure.
- See the personal result and company result separately.
What neither model decides
- Your CPA keeps the final word on tax treatment.
- The provider confirms availability and final pricing.
- Underwriting and enrollment happen after the estimate.
Group health rate calculator questions
What does the group health rate calculator show?
The first result compares what you pay now with a group-plan path on your own 2026 inputs. It includes a personal model, a company model when you have a team, and three group plan tiers.
Do I have to provide contact details to see the number?
No. The first result appears before you provide a name, email address, or phone number. Name and phone are requested only if you choose to open the full line-by-line report with a 6-digit text code.
What information does the calculator use?
It uses your 2026 net business income, current monthly coverage cost, state, business entity, household or plan tier, and team size when you have employees.
How does the calculator use federal and state tax rules?
It runs the inputs you provide against the current 2026 federal tax tables and the applicable state schedule. The full report shows the assumptions so your CPA can check how they fit the rest of your filing.
Is the result a final quote or tax advice?
No. It is a modeled estimate for deciding whether the group path deserves a closer look. Your CPA confirms tax treatment. The licensed provider confirms final plan availability, underwriting, enrollment, pricing, and effective dates.
Can the calculator tell me to stay where I am?
Yes. If the modeled coverage and tax difference does not clear the PEO fee and any change in plan cost, the result can show that staying put is the better path.
Run the group health number before you decide what to do next
The calculator is at the top of this page. The first result requires no contact details and can tell you when staying put is the better path.