Pricing
One flat fee per person. $150 a month, full stack. $75 for compliance only.
Month to month. No long-term contract. The fee does not climb when you pay yourself more or add a head. It is the same on a $90,000 income and a $400,000 one.
That is the fee. What you actually save depends on your own numbers, and the calculator shows you those, free, before you tell us anything.
No name, no email, no phone to see your result. No salesperson, no one calling you.
Full stack: the group plan plus the whole back office.
Compliance only: the back office, without the group plan.
We only make money when the math actually leaves you better off. If the fee costs you more than the structure saves, the number tells you, and so do we.
What the flat fee does not do.
Most PEOs charge a percentage of payroll, 3 to 6 percent. So the fee climbs every time you give a raise, climbs again every time you hire, and quietly re-rates up once you are established on their software and switching is a project. The thing that is supposed to handle your back office becomes a tax on growing.
It does not climb when you pay yourself more. It does not climb when you add a head. The same $150, whether your income is $90,000 or $400,000. And it runs on a portable, industry-standard platform, not proprietary software you cannot leave. The fee holds because the structure earns its keep, not because you are trapped on it.
Why a flat fee can hold.
A flat fee only works if the structure underneath it pays for itself. It does. A 500-person company gets better coverage at a better price than you can, because it buys as one large group instead of as one person or one small team. When you get inside a group like that, the better group price more than covers the fee. You are not paying the fee on top of what you pay now. You are paying it out of money the old way was costing you.
So the real question was never "is $150 a lot." It is "does getting inside the big group save you more than $150 a person." For an owner who clears the line, it usually does, by a wide margin.
To be clear about what the fee is: it is the USA OPS fee for running your numbers, connecting you, and the business stack we include. The coverage itself is run by a separate licensed provider and the premium runs through your payroll. We are not the plan provider.
Two tiers. Pick the one that fits.
The group plan and the whole back office.
A real national group plan on the Cigna PPO, premium run through payroll.
Payroll and filings every cycle. Workers comp pay-as-you-go. HR support from people you can reach.
Dental and vision available through MetLife. A retirement account through Vestwell.
Lawsuit protection (EPLI) on the employment side, included.
The back office, without the group plan.
For the owner who already has coverage sorted but wants payroll, filings, workers comp, and HR off the desk, run properly.
Not sure which line you fall on? Run your number. The calculator asks what you have now and shows you which tier actually moves the needle for you. Both tiers are one flat fee per person, month to month, no long-term contract. Neither climbs when you pay yourself more or add a head.
The plans behind the full stack.
Three representative plans on the Cigna national PPO. Same network, different deductible and monthly premium. Your actual rate is set at enrollment.
Representative composite rates, set at enrollment. These premiums are the coverage cost, separate from the flat USA OPS fee. Your own number comes 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.
Even at break-even, you moved the back office off your desk.
Here is the honest floor. Say the savings came out close to a wash against the fee, your number lands near even. You still moved payroll, filings, workers comp, and HR off your desk and onto people whose job it is. You still put yourself and your people on a real national plan instead of buying alone. The renewal stops being yours to fight. For most owners who clear the line the number is well past break-even, but break-even alone already bought back your week. The fee was never the whole case.
You see your number before we see you. Your own CPA gets the final word, the fee included in the math.
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 the Cigna national PPO, on the real 2026 tax tables. Your accountant can verify every figure, including the fee.
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.
See what the fee buys you.
One flat fee per person, month to month, no long-term contract. $150 full stack, $75 compliance only. It does not climb when you pay yourself more or add a head.
Run the math free. No call, no email, no salesperson. If the structure does not beat what you pay now, fee and all, 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 exact 2026 number, free, with the fee already in the math. The full CPA audit report when you want it.
After the 2026 subsidies ended, the average renewing buyer's net premium rose about this much. A flat fee draws a line under it the day you switch.
Pricing questions, answered straight.
How much does it cost?
One flat fee per person, month to month, no long-term contract. It is $150 per person a month for the full stack, which includes the group plan and the whole back office, or $75 per person for compliance only, the back office without the group plan. The fee does not climb when you pay yourself more or add a head.
Does the fee go up when I pay myself more or hire someone?
No. It is a flat fee per person and it does not climb with your income or your headcount. The same $150 whether your income is $90,000 or $400,000. Most PEOs charge a percentage of payroll, 3 to 6 percent, which climbs every raise and every hire. A flat fee does not.
What is the difference between the $150 and the $75 tier?
The $150 full stack includes the group plan on a national PPO plus the whole back office: payroll, filings, workers comp, and HR. The $75 compliance-only tier is the back office without the group plan, for an owner who already has coverage sorted but wants the admin off their desk.
Is the fee on top of the coverage premium?
The flat fee is the USA OPS fee for running your numbers, connecting you, and the included business stack. The coverage premium is the provider’s, run through your payroll. For an owner who clears the line, the better group price more than offsets the fee, so it is paid out of savings, not added on top.
Is there a contract or a lock-in?
No. Month to month, no long-term contract. It runs on a portable, industry-standard platform, not proprietary software you cannot leave. If you ever want out, you leave, and your data goes with you.
What is the catch, and how do you get paid?
A flat fee, and we only earn when an owner we connect actually comes out ahead. If the structure does not beat what you pay now, fee and all, your result says so and you owe us nothing. We would rather give you an honest no for free than sell you a yes.