For solo owners and single-member LLCs · $90k+
A group health plan you were told you could not get.
You were told a business of one is too small for a real group plan, so you buy alone, on a narrow plan, at a rate that climbs every birthday. That verdict is wrong. You do not build a group, you join one that already exists, the same kind a large employer offers its people, on a national PPO. The same move can lower what you lose to taxes. See both your numbers first, free, before you tell us anything.
The plan a big employer gives its people is not closed to a company of one. There is a door no one pointed you to. See your number before you give us a thing.
No name, no email, no phone to see your result. No salesperson, no one calling you.
A sample shape · solo owner, two numbers
A sample shape, not your number. Yours comes from the calculator in under a minute.
We only make money when the math actually leaves you better off. If it does not, the number tells you, and so do we.
Why nobody ran this number for you.
It is a fair question. If a company of one can really get this, why has no one shown it to you? Because almost everyone in this market is paid to place a product, not to check whether you are in the right structure to begin with.
Someone selling you a plan earns their living when you buy that plan, and the plan they have to sell is an individual one, age-rated, after-tax, narrow network. It is the exact thing this gets you out of. A person paid to place a policy will not tell you the better move is to stop buying policies the way you have been.
Your accountant did their job. They set your salary and found the tax saving, because tax is the field they work in. How your coverage is structured is a different field, and most accountants have never worked in it. The coverage half was never theirs to run. That is not a failure, it is outside the box you hired them for.
Most brokers run a contact form and a callback. You describe your situation, you wait, a proposal arrives weeks later. At no point do you get a number you can check on your own. The process is built around getting you on a call, not around handing you the math.
The question was never which plan to buy. It was whether buying a plan alone, the way you have been, is the right structure at all. That is the question nobody selling you something is paid to ask. Here is how that works.
How the number moves.
Two things are draining your money right now. The structure stops both, and a third effect lowers your tax. You keep all of it.
Age stops setting your rate.
On your own, the plan is priced on you, and every birthday costs more. Cover a spouse and kids and you pay that age penalty several times over. You can join a group of thousands instead, where one composite rate is set by the pool, not by your age. The 58-year-old and the 34-year-old pay the same. A bill that climbed every birthday becomes one that holds.
Premium runs through payroll.
Today you pay your premium with money the IRS already taxed, so you earn well over the premium just to cover it. Inside the structure the premium runs through your own payroll, the same way it does for someone at a large company. Your doctors stay the same. The plan is a national PPO.
A separate number, yours to check.
That same structure changes what you lose to taxes. The calculator returns it as its own number, run live on the real 2026 federal and state tables for your income, your state, and your family. It is built for your CPA to check line by line. We do not promise a figure in a sentence. We show you yours and hand the proof to your accountant.
Two numbers, free.
Your coverage number: what you pay now against what you would pay inside the group plan. And your tax number: what the same move does to what you hand the IRS. For most owners in range, the coverage number is the bigger of the two.
One honest exception
Above roughly $185,000 of net income, the tax part of the win shrinks. The structure still pays off. The win just shifts to having a real group plan on a national PPO instead of an expensive individual one. If you are covering a family at that income, the plan alone is usually worth it. The calculator shows you which part is carrying your number.
Free · No contact to see your result
Do not take our word for it. Run your own number.
Enter what you earn and what you pay for coverage now. You get two numbers back, free, with no name, email, or phone. Your coverage cost today against what you would pay inside the group plan. And your tax number, what the same move does to what you hand the IRS. It runs live on the real 2026 federal and state tax tables, on your income, your state, and your family. If it does not beat what you pay now, the screen says so.
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.
No name, no email, no phone to see your result.
What you actually get.
Not a discount card, not a thinner version of what you have. The same kind of coverage and back office a large employer gives its people, sized for a business of one.
Picture a national PPO card in your wallet, your doctors unchanged, your premium running through your own payroll, the same plan covering your spouse and kids at the group rate, and a number your accountant signs off on.
Real national group plan on the Cigna PPO
The kind a large employer offers. Doctors almost anywhere, no referral to see a specialist.
Premium runs through payroll
The way it does for someone at a large company. Your CPA confirms the exact treatment for your situation.
Dental and vision through MetLife
Available alongside your group plan, at group rates.
Retirement through Vestwell
With room far above the individual limit.
The back office, even as a solo
The work that eats your evenings comes off your desk, whether you have employees or not.
- Payroll run for you every cycle, W-2s and filings included
- Workers' comp pay-as-you-go, no big deposit, no year-end audit
- Filings handled multi-state
- HR support from a person you can reach
One flat fee per person, month to month.
Does not climb when your income climbs or when you add a person.
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.
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 rate you see here is before your tax number and before we run it against what you pay now.
The flat 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.
Not a loophole.
This is not a loophole and not a new idea. Large companies have run on this exact structure for decades. Here is what holds up when someone smart looks hard at it.
An owner joining a larger group through a separate provider is a standard, long-established arrangement. It is not an edge case and not a gray area.
Your CPA stays. They still set your salary and file your corporate return. Nothing about how you operate day to day changes. You are adding a structure, not handing over your business.
The structure runs on your business being taxed as an S-corp or C-corp. A single-member LLC elects S-corp status at onboarding, the same routine filing accountants do all the time. Routine paperwork, not a reorganization.
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.
This is built for a specific owner.
A structure that fit everyone would be a pitch. This one has a clear line. If you are on the wrong side of it, the number will tell you, and so will we.
It works for you if
You net $90,000 or more this year. Clearly in range at $100,000 and up.
You pay $500 or more a month for coverage now. The more you pay, especially for a family, the bigger the move.
You run a business solo, taxed as an S-corp or C-corp, or willing to elect.
You want your own number and an honest read, not someone to make the call for you.
It does not work for you if
You are on a spouse's plan and pay little or nothing for coverage today. The flat fee is new cost with little to offset it.
You pay very little now because you are young and healthy on a cheap plan. A cheap plan can stay cheaper.
You net well below the line. The flat fee will cost more than it saves, and the number will show you that.
Close to the income line but expect it to climb this year? Setting the structure up now means it is running when the income arrives. Worth a look.
When it does not fit, that is not a lost sale to us. It is the reason the owners it does fit can trust the number.
How you know it holds up.
You see your number before we see you. Your own CPA gets the final word: the full CPA audit report we generate for your exact figures is built for your accountant to check line by line. We tell you when it does not fit, because we only earn when it does.
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.
We are not the plan provider. A separate licensed provider runs the coverage. We run your numbers and connect you.
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 coverage a big company gets · solo owners
See your own 2026 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.
Every renewal you wait, the age-rated price climbs again. After the 2026 subsidies ended, the average renewing buyer's net premium rose about this much. The structure that changes it is decades old.
The things solo owners ask first.
Can a one-person business really get a real group health plan?
Yes. You do not build a group, you join one that already exists. A company of one can get inside the same kind of national group plan a large employer offers, through a separate licensed provider, with the premium running through payroll. A solo owner who takes a W-2 salary through an S-corp can be placed inside that group instead of buying an age-rated individual plan alone. Run your number to see what it changes for you.
How does a solo owner pay less for coverage this way?
Two levers move the number. First, you join a large group so a composite rate replaces your age-rated one: the 58-year-old and the 34-year-old pay the same. Second, the premium runs through payroll instead of being paid with already-taxed dollars. The calculator shows your coverage number and a separate tax number, free, no contact required.
What does it cost?
One flat fee per person, month to month, no long-term contract: $150 per person a month for the full stack, or $75 for compliance only without the group plan. The fee does not climb when you pay yourself more or add a person. Representative plan rates are Plan A $879, Plan B $732, Plan C $589 on the Cigna national PPO, set by the group, not by your age.
I just elected S-corp. How do I get coverage too?
The S-corp election and getting inside the group plan are the same move. A single-member LLC elects S-corp status at onboarding, your CPA handles the filing, and the premium then runs through your own payroll. Run your number to see both your coverage number and your tax number, free, before you give us anything.
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. We are not the plan provider. A separate licensed provider runs the coverage. We run your numbers and connect you, and the number tells you when it does not fit.
Do I have to give my contact details to see my number?
No. You see both your coverage number and your tax number free, with no name, email, or phone, and nothing is stored or shared until you request the full report. Contact is asked only at the soft gate to unlock the full CPA audit report for your accountant.