High current monthly cost
If the owner already pays $700 or more, the comparison has enough room to matter.
1099 contractor coverage
Health coverage for 1099 contractors who are tired of paying alone.
A 1099 contractor can have employer-level income without employer-level coverage access. The PEO structure tests whether the contractor can create that access through their own business.
Decision
A 1099 owner should compare business structures, not just monthly premiums.
The monthly price matters, but the real decision is whether payroll, taxes, administrative handling, and group-plan access can sit inside one clean structure.
USA OPS uses the calculator to separate owners who should keep looking elsewhere from owners who should take the next step into discovery.
For the calculation method behind the result, read how USA OPS calculates the number. For the plain overview of the model, read what a PEO is and when it fits.
What matters
What the owner needs to know fast.
Stable contract income
A steady 1099 income stream makes the business structure easier to evaluate.
Willingness to formalize
The owner must be ready for payroll, paperwork, and PEO rules if the number works.
Fit check
A 1099 contractor needs a clean fit test.
The contractor needs to know whether income, current monthly cost, and business structure make the PEO path worth a serious look.
Single-owner pricing is specialized. The clean path is to compare the current monthly cost against the PEO plan tier, the $150 monthly administration fee, and the tax-aware payroll structure.
Coverage can include the owner only, owner plus spouse, owner plus children, or family coverage. Start with single-owner pricing if household tier is the main question.
Path
How a qualified owner moves from first look to decision.
Enter the numbers
Income, current monthly cost, entity type, and household tier drive the first result.
Read the pricing page
Single-owner plan tiers show where the PEO path starts before final provider approval.
Use discovery for details
The call explains what paperwork is needed and what the three-week target assumes.
Related guides
Related owner guides.
Use these guides to compare entity type, work style, household tier, and current monthly cost before the discovery call.
Single-owner pricing
The published plan tiers and the $150 monthly PEO administration fee.
Self-employed coverage
The main guide for owners who work for themselves.
LLC owner coverage
How the structure changes when the business is an LLC.
S-corp owner coverage
How payroll and owner wages affect the math.
Sole proprietor coverage
When a sole proprietor should look at entity and payroll setup.
Freelancer coverage
A fit check for creative, technical, and advisory solo work.
Fractional executive coverage
The path for fractional CFOs, CISOs, COOs, CPOs, CEOs, CTOs, and other high-earning independent leaders.
Self-employed PPO coverage
Why the PPO network matters before the price matters.
One-owner small business coverage
The guide for a business with one owner and no employees.
Questions
Ask only if the calculator is not enough.
The preferred path is still the calculator because fit is math-driven. Use this form for a simple question about entity setup, household tier, paperwork, or timing.
FAQ
Single-owner PEO coverage questions
Do I need employees to qualify?
No. This path is for one-owner businesses. Fit still depends on income, current monthly coverage cost, entity setup, state rules, payroll, and provider approval.
Is the $589 plan tier available to every owner?
No. Published plan tiers show the current single-owner options. Final availability, eligibility, and terms come from the PEO and licensed provider.
How long does setup take?
Once the owner applies and provides the paperwork, the discovery call explains the timing. The target is roughly three weeks when the file is clean and complete.
What does USA OPS do?
USA OPS qualifies the owner, runs the 2026 math, explains the structure, and connects qualified cases with the PEO path. USA OPS does not sell, underwrite, enroll, or administer coverage.