Plan C
HSA-qualified PPO tier. Current employee-only pricing starts at about $589 per month before the PEO administration fee.
Single-owner pricing
Single-owner PEO pricing starts with the math.
If you are one owner, earning $80,000 or more, and paying $700 or more per month for current coverage, the first question is simple: does the PEO structure leave you ahead after the monthly fee?
Single-owner plan pricing
Current PPO plan tiers for one-owner cases.
Use the toggle to compare owner-only, spouse, children, and family tiers. These are current published plan tiers before final PEO and licensed provider approval.
National PPO carrier
National Tier 1 PPOPlan ALowest deductible
$880per month
National Tier 1 PPOPlan BBalanced
$723per month
National Tier 1 PPOPlan CHighest deductible
$589per month
Plan documents
Open the Cigna plan summaries before the call.
Each card opens the plan summary PDF in a new tab. Review deductible, copays, out-of-pocket structure, and the full coverage terms before moving into discovery.
Plan summaries
Plan A
$1,000 deductible
Lowest deductible
Open the Cigna plan summary PDF and review the full benefits and coverage terms.
Plan B
$3,500 deductible
Balanced
Open the Cigna plan summary PDF and review the full benefits and coverage terms.
Plan C
$7,350 deductible
Highest deductible
Open the Cigna plan summary PDF and review the full benefits and coverage terms.
Decision
The price is only useful when it is inside the structure.
A lower monthly plan tier is not the whole answer. The PEO path changes where the coverage cost runs, how payroll is handled, how owner wages are organized, and whether the business can use a large-group plan instead of staying alone in the open market.
USA OPS shows the published plan tiers, then moves the owner to the calculator because the result depends on income, entity type, current monthly spend, household coverage, and payroll treatment.
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.
Plan B
Balanced PPO tier. Current employee-only pricing is about $732 per month before the PEO administration fee.
Plan A
Low-deductible PPO tier. Current employee-only pricing is about $879 per month before the PEO administration fee.
Fit check
Best fit for owners who already know the price is broken.
This page is for the owner who is not looking for a lecture. They already pay too much. They need to know whether single-owner PEO placement creates a better number and better access than the path they are on today.
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.
Confirm fit
The owner should usually be at $80,000 or more in 2026 income and $700 or more in current monthly coverage cost.
Run the 2026 math
The calculator compares the current path against the PEO path, including the $150 monthly administration fee.
Use the call for precision
The discovery call checks entity setup, household tier, paperwork, timing, and what the PEO will need.
Related guides
Related owner guides.
Use these guides to compare entity type, work style, household tier, and current monthly cost before the discovery call.
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.
1099 contractor coverage
The path for contractors paid outside W-2 employment.
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.