How it works
You see your numbers first. We talk last, and only if you ask.
Most "free tools" are a form that sets off the phone calls. This is the opposite order. You answer two questions, you get two real numbers free, and nobody contacts you. If you want it in writing, you unlock the full report. A real person comes in only at the end, when you decide you want one.
No name, no email, no phone to see your result. No salesperson, no one calling you.
If the math does not beat what you pay now, the number tells you, and so do we. We only make money when an owner we connect comes out ahead.
The whole thing, in four steps.
You control how far you go. The first three steps are free and ask for nothing. The fourth is the only time we talk, and you start it.
Answer two things.
Tell us what you earn and what you pay for coverage now. Add your team if you have one. That is the input. No account, no name, no email.
Free · no contactSee your two numbers.
Your personal finances, today against the group plan, and your company's payroll costs, the same way. Live on the real 2026 tax tables. If it does not beat what you pay now, the screen says so.
Free · no contactWant it in writing?
Only if you want the written version: confirm an email and the full CPA audit report, generated for your exact numbers, is yours to hand your accountant. This is the first and only thing we ask for, and you ask for it.
You chooseTalk to a real person.
When you are ready, and not before, you talk to a real person who walks you through your numbers and connects you to the licensed provider that runs the coverage. That is when we talk. Not at step one.
When you decideThree free steps before a single conversation. That is the order, on purpose.
Why we put the number before the ask.
Your name is on a list, so the brokers, the agents, and the ICHRA reps keep calling. None of them show you a number first. They want the meeting, then the number, then the pitch. We run it the other way because we only earn when the structure actually leaves you better off, so the honest thing and the smart thing are the same thing: show you the real figures up front, let them make the case, and stay out of your inbox until you decide there is something worth a call.
What we do, and what we do not.
Two different jobs, kept separate on purpose.
We run your numbers and connect you. The free calculator, the two numbers, the full CPA audit report, and the introduction to the right group, that is us. We are an independent referral partner.
We do not sell, underwrite, or enroll coverage, and we are not the plan provider. A separate licensed provider runs the coverage, on a national PPO, paid through your own payroll. They handle the plan. We handle the math and the handoff.
Keeping those two jobs separate is the point. You get the numbers from someone who does not enroll you, and the coverage from someone licensed to run it. Nobody is wearing two hats.
What the numbers are built from.
The two numbers are not estimates pulled from a range. They run on the real 2026 federal and state tax tables and the actual group-plan pricing, computed for the figures you enter. The written version goes further: the full CPA audit report lays out every line so your own accountant can check it, because your CPA gets the final word, not us.
You see your number before we see you. That is the whole proof: a result you can check, from data you control, before you have told us a thing.
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.
So you know it holds up.
This is not a loophole. It is an established structure big companies have used for decades, run through a NAPEO-member, ESAC-accredited provider on a national PPO, on the real 2026 tax tables. You see your number before we see you, and your own accountant can verify every figure in the report.
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.
Start at step one. See your numbers.
This works best for an owner who nets $90,000 or more, pays $500 or more a month for coverage now, and runs a business of up to 25 people taxed as an S-corp or C-corp, or willing to elect. If that is not you, the number will probably tell you to stay put, and we would rather say so for free than sell you a yes.
Run the math free. No call, no email, no salesperson. If the structure does not beat what you pay now, the screen tells you so and you owe us nothing, because we only make money when an owner we connect actually comes out ahead.
Your two numbers, free. The full report when you want it. A person only when you ask.
The questions wary owners ask first.
Do I have to talk to a salesperson to see my numbers?
No. The first three steps are free and ask for nothing. You answer two questions, you see your two numbers on the screen, and if you want it in writing you confirm an email. A real person comes in only at step four, and you start it. No one calls you before then.
Is this free, and what is the catch?
The two numbers are free, with no name, email, or phone required. We earn a flat fee, and only when an owner we connect actually comes out ahead. If the structure does not beat what you pay now, your result says so and you owe us nothing.
Do I have to give my email to get my result?
No, not to see the two numbers. You confirm an email only if you want the written CPA audit report sent to you. The on-screen result needs no contact details at all.
What does USA OPS actually do, versus the company that runs the coverage?
We run the math and connect you. We are an independent referral partner. We do not sell, underwrite, or enroll coverage, and we are not the plan provider. A separate licensed provider runs the coverage on a national PPO, paid through your own payroll.
What happens after I see my number?
Nothing automatic. Nobody calls. You decide whether to unlock the written report, and whether to ever talk to a real person. The first three steps cost nothing and ask for nothing; the fourth is the only conversation, and you start it.
How long does it take?
Under a minute to answer the two questions and see your numbers. The written report and the call happen only if and when you ask for them. There is no account to create and nothing to install.