For S-corp owners
Yes, electing S-corp can cut what you lose to self-employment tax. Here is the part almost no one tells you next.
The same setup that lets you pay yourself a salary and take the rest as a distribution is also the doorway to a real big-company group health plan, on better terms, paid through your own payroll, even if your business is just you. Most owners make the tax move and stop there. The coverage move is sitting right next to it.
So there are two numbers here, not one: what the structure does to your taxes, and what it does to your coverage cost. You can see both for 2026, free, before you tell us anything.
No name, no email, no phone to see your result. No salesperson, no one calling you.
We only make money when the math actually leaves you better off. If it does not, the number tells you, and so do we.
You already did the hard part. You just stopped one move short.
Electing S-corp meant standing up real payroll: a salary you run to yourself, filings every cycle, the structure of an actual company. You did that to keep more of what you earn. That same payroll is the thing a real group health plan runs through. The hard part is already built. What is missing is the plan plugged into it.
On your own, you were priced for coverage as a group of one, told that was the cost of working for yourself. The S-corp did not change that by itself. Putting your payroll inside a large group does. Same structure you already chose, one more thing routed through it.
How the same setup gets you the plan.
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. Your S-corp can join a group like that, even if the only employee is you. The plan is a national PPO. The premium runs through the payroll you already run. Your doctors stay the same.
If you have read anything about a more-than-2-percent shareholder, you know owner coverage gets treated its own way. The short version: through the group plan, you, the owner, are on the plan, and the calculator shows your real cost. Your CPA confirms the exact treatment for your situation. We show you the number. Your accountant signs off on it.
We are not the plan provider. A separate licensed provider runs the coverage. We run your numbers and connect you.
The believability clause
You do not build a group. You join one that already exists.
A business of one qualifies the same as a business of fifty.
The coverage a big company gets
Do not take our word for it. See both numbers.
Enter what you earn, what you pay yourself, and what you pay for coverage now. You get two numbers back, free, with no name, email, or phone. Your personal finances: your tax and coverage cost today against what you would pay with the structure in place. And your company's payroll costs, the same way. It runs live on the real 2026 federal and state tax tables. If it does not beat what you pay now, the screen says so.
No name, no email, no phone to see your result.
Want it in writing? The full CPA audit report, generated for your exact numbers, is yours to hand your accountant, built to be checked line by line.
The plans, and what it costs.
Representative composite rates, set by the group and not by your age. Your actual rate is set at enrollment, and your own number comes from the calculator.
The fee
One flat fee per person, month to month, no long-term contract. The fee does not climb when you pay yourself more or add a person.
This is built for a specific owner.
Clear all three and the math usually works in your favor.
Your income, not your team's.
What reaches the premium today.
Taxed as an S-corp or C-corp, or willing to elect.
The honest turn-away
If you elected S-corp mostly on paper and are not really paying yourself a salary yet, the coverage move waits until the payroll is real. If you are on a spouse's plan, or you net well under that line, or you already pay very little for coverage, this probably will not beat what you have. We would rather tell you that for free than sell you a yes.
Just elected, or about to, and your income is climbing this year? Setting the coverage up alongside the structure means it is running when the income arrives. Worth a look.
You optimized the tax. Now see the coverage number.
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 exact 2026 numbers, free. The full CPA audit report when you want it.
If it is just you, the solo owner walkthrough goes deeper.
setup
You already restructured once to keep more of what you earn. The coverage move sits in the same setup, and every renewal you wait, the age-rated price you pay alone climbs again. The structure is decades old. Waiting just runs the cost through one more cycle.
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.
The questions S-corp owners ask first.
Does electing S-corp actually save on self-employment tax?
For many owners with enough profit, paying yourself a reasonable salary and taking the rest as a distribution lowers what you owe in self-employment tax. How much depends on your numbers, so the calculator runs your real 2026 figures and your CPA confirms them. The point this page adds: the same setup also opens a real group health plan.
Can an S-corp owner get a real group health plan?
Yes. You do not build a group, you join a large one that already exists, even if you are the only employee. Your payroll runs the premium, the plan is a national PPO, and a business of one qualifies the same as a business of fifty. The calculator shows your cost before any contact.
How does a more-than-2-percent shareholder get coverage?
A more-than-2-percent shareholder is treated its own way for owner coverage, which is why the structure matters. Through the group plan, you, the owner, are on the plan, the calculator shows your real cost, and your CPA confirms the exact treatment for your situation. We show the number, your accountant signs off.
I just elected S-corp. How do I get coverage too?
The payroll you stood up for the tax election is the same payroll a group plan runs through, so the coverage move plugs into what you already built. Once you are paying yourself a real salary, you can join the group plan and see your tax number and your coverage number together, free, before you talk to anyone.
What does it cost, and how do you get paid?
One flat fee per person, month to month, 150 dollars for the full stack or 75 for compliance only, and it does not climb when you pay yourself more. We are an independent referral partner, not the provider, and we only earn when the math leaves the owner we connect better off. If it does not, the screen says so.
Do I have to give my contact details to see my number?
No, not to see it. The calculator returns your numbers with no name, email, or phone. Contact is asked only if you want the full CPA audit report sent to you and your accountant, built to be checked line by line.