What the full report shows, and what a text code opens.
Your first result on the calculator is a summary: the high-level answer, your personal model, your company model if you have a team, and three group plan options. The full report opens every line behind that summary, current path next to the group-plan path, on your own 2026 figures, built so your CPA can check it.
A 6-digit text code opens the full report. The summary asks for nothing. The code is the only step that asks for your contact details, and it comes after you have already seen whether the numbers are worth it.
No fee and no contact for the first result.
01
What you see before the code
The locked preview already shows real numbers. Before you give us anything, you see enough to decide whether the full report is worth opening:
- The high-level answer for your inputs, stated plainly.
- Your personal 2026 summary, your current path next to the group-plan path.
- Your company summary when you have a team.
- The three group plan tiers through a national carrier.
- The reason the line-by-line report matters for your case.
If that preview is weak, you stop there, and you have your answer at no cost. If it is strong, the code opens the rest.
02
What the code opens
Every line nets the structure against its own flat fee, federal and state, so you see whether you land neutral, ahead, or behind, with no figure left inside a black box for your CPA to take on faith. The full report opens both models, line by line.
Your personal 2026 model, run two ways. Same income, same family, computed against 2026 federal and state tax rules. You see the full return for your current path next to the return through a group plan, line by line, and the difference between them. The summary rounds; the full report shows the exact figures your CPA would want.
Your company model when you have a team. The same year, costed two ways: the cost on your current separate plans, the cost inside a consolidated group structure, and the net difference for the business. It shows the full build behind each total.
The three group plan options, with toggles. A National Tier 1 PPO in three tiers. You can switch between them and watch the personal and company figures move with each choice, so you compare on the plan you would actually pick. The current tiers and prices are on the pricing page.
The assumptions. Every figure carries the inputs and rules behind it: your entity, your owner pay, your business net income, your state, and the 2026 tax treatment applied. Nothing is hidden inside a black box. See how we calculate the number.
03
Built for your CPA to check
The report is a decision document. We run the math, and your CPA keeps the final word on your tax, entity, salary, and filing decisions.
That is why every line shows its assumptions, and why you can copy the report link and send it straight to your CPA. They can review the entity facts, the owner pay, the current-path inputs, and the tax treatment, and tell you whether the structure fits the rest of your plan. The report is built to survive that review.
We are not the plan provider. A separate, licensed provider runs the plan. We run the math and connect you.
04
Why a text code, and what happens to your numbers
The code protects your privacy. Your numbers are generated from your inputs in the moment. Nothing is stored or shared until you request the full report. The summary alone reaches no one.
When you request the report, we ask for your name and a phone number to text you the 6-digit code. We ask only so we have a record of who we are serving. The code expires, and the report stays tied to the person who created it.
The ask comes after the preview on purpose: you see the value before you share any contact detail. The report is built to show a weak result when the math is weak, so you can stay put without a sales process.
05
How to use the report
For a business of one:
- Read the preview.
- Open the full report if the result is strong.
- Copy the report link and send it to your CPA.
- Decide whether a discovery call is worth your time.
For a small team:
- Read both models when both apply.
- Check the team assumptions: headcount, payroll, renewal timing, workers' comp.
- Send the report link to your CPA.
- Decide whether the team path is worth a closer look.
Want to see one before you run yours? See an annotated sample report.
06
When the report says stay put
A weak report still protects your time. The numbers may come back thin or negative when:
- your current coverage is already low cost,
- your business income is below the fit range,
- a spouse's employer plan is the better answer,
- the team facts do not fit the current path, or
- the margin is too small to justify a change.
If that is your result, the right move is to stay where you are for now, and run it again when your income, coverage cost, or team changes.
07
Frequently asked questions
What does the locked preview show before I give you anything?
The high-level answer, your personal summary with the current path next to the group-plan path, your company summary if you have a team, and the three plan tiers. Enough to decide whether the full report is worth opening, at no cost and with no contact.
What does the 6-digit code open?
The full line-by-line report: your personal 2026 model run two ways, your company cost model when you have a team, the three plan options with toggles, and the assumptions behind every figure.
What do you ask for to send the code?
Your name and a phone number to text you the 6-digit code. Nothing is stored or shared until you request the full report, and the code expires.
Can my CPA rely on the report by itself?
No. The report is built so your CPA can check the assumptions and the tax treatment. Your CPA keeps the final word on tax, entity, salary, and filing decisions. You can copy the report link and send it to them.
Does the report approve my plan?
No. The report shows the math and the likely path. The provider confirms the provider-side details: underwriting, enrollment, payroll setup, state rules, and final plan availability.
What if the report shows a weak result?
Then staying where you are is likely the better move for now, and you saved yourself a sales process. Run it again when your income, coverage cost, or team changes.
Does the report show whether the fee pays for itself?
Yes. Both models net the structure against its own flat fee, line by line: your personal 2026 return run two ways, and, for a team, the company cost model. You see whether you land neutral, ahead, or behind, federal and state, with every assumption shown. If the result is thin or negative, the report says to stay put.
Last reviewed: June 2026.
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