For owners with a team of 2 to 25
The renewal climbed again, and you are still the benefits department.
You already know group coverage. You also know it re-rates up every year, and the whole back office, payroll, filings, workers' comp, and HR, lands on your desk. There is a version priced as one big group, on a flat fee per person that does not climb when you grow, with the back office handled. See your company's numbers and your own, free, before anyone calls.
No name, no email, no phone to see your result. No salesperson, no one calling you.
If the math does not beat what you run today, the number says so. We only make money when it does.
Flat fee per person · Does not climb when you grow · You see your numbers before we see you
Two things are breaking you, and both get worse as you grow.
You are priced as a small group, age-banded, so the rate climbs every year and hits your most experienced people hardest. A 20 percent renewal on a 12-person team is about $25,000 you did not budget, for coverage that does less.
Illustrative.
You carry payroll, filings, workers' comp, and HR yourself, or you bolt on a percentage PEO that charges more every time you give a raise or add a head.
Your name is on a list, so the brokers, the agents, and the ICHRA reps keep calling. None of them show you a number. They want a meeting.
Whether you offer nothing yet or what you offer is failing, the way out is the same: real group coverage priced as one big group, a flat fee that does not climb, and the back office off your desk.
You are probably being pitched ICHRA. Here is the honest read.
Where ICHRA wins
For some teams, ICHRA is the right answer: a dispersed or remote team, younger or lower-wage staff, or an owner who wants one fixed budget number. If that is you, the calculator will say so.
The real difference
ICHRA changes who pays for an individual plan. It does not change what plan your people can actually get. They are still buying in the individual market, still age-rated, still on the most expensive pool in the country. A group plan takes them out of it: one composite rate, a national PPO, the plan a big company offers.
And you, the owner
A more-than-2-percent S-corp owner cannot be covered on a tax-advantaged basis by your own company's ICHRA. Through the group plan, you can be on the plan with your team. Your CPA confirms the treatment for your situation.
We are not against ICHRA. For the right team it is the right call, and the number will tell you. For an owner who wants real group coverage and out of the individual market, it is not.
A flat fee that does not punish you for growing.
Most PEOs charge a percentage of payroll, 3 to 6 percent, so the fee climbs every raise and every hire, and re-rates up once you are established on their software. A flat fee per person does not move when you grow. It runs on a portable, industry-standard platform, not proprietary software you cannot leave. If you ever want out, you can.
Ten people, payroll growing over five years
A percentage PEO by year five.
The flat fee, same team. Illustrative; your number comes from the calculator.
The coverage a big company gets
Do not take our word for it. Run your team's numbers.
Enter what you earn, your team, and what you spend on coverage and admin now. You get two numbers back, free, with no name, email, or phone. Your company's payroll costs: coverage plus admin today, against the group plan, against the fees you stop paying. And your own personal finances. It runs live on the real 2026 federal and state tax tables. If it does not beat what you run today, 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.
What your team actually gets.
One Cigna national PPO for the whole team at composite rates, so age does not set the price, one plan across every state they work in. MetLife dental and vision. Vestwell retirement.
- Payroll and filings every cycle
- Workers' comp pay-as-you-go, no deposit, no year-end audit, SUTA stabilized through the pool
- HR support from people you can reach
- Lawsuit protection (EPLI) included
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. Your actual rate is set at enrollment, and your own number comes from the calculator.
The flat fee
One flat fee per person, month to month, no long-term contract. It does not climb when you raise pay or add a head.
The payoff
What you actually get back: your week.
Picture the renewal stops being yours to fight, the payroll and the filings run without you, a compliance question goes to someone whose job it is, and your team is on a real national plan you would be proud to show a recruit. Even if the cost came out a wash, you moved the entire back office off your desk and got your attention back for the business you actually run. The fee comparison was never the whole case.
You see your numbers 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.
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 your team's 2026 numbers.
Run the math free. No call, no email, no salesperson. If the structure does not beat what you run today, 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 team's exact 2026 numbers, free. The full CPA audit report when you want it.
renewal
you wait, the small-group rate re-rates up again, and a percentage PEO fee climbs as you grow. After the 2026 subsidies ended, the squeeze got worse, not better. A flat fee draws a line under it the day you switch.
The questions team owners ask first.
Is ICHRA better than a group plan for my team?
It depends on your team, and the calculator will tell you which fits. The core difference: ICHRA changes who pays for an individual plan, but your people still buy in the individual market, still age-rated. A group plan changes what plan they can get: one composite rate on a national PPO. For a dispersed or younger, lower-wage team, ICHRA can win. For an owner who wants real group coverage and out of the individual market, the group plan does.
What does it cost, and does the fee go up when I grow?
One flat fee per person, month to month, no long-term contract. It is $150 per person a month for the full stack, or $75 for compliance only. It does not climb when you raise pay or add a head. Most PEOs charge 3 to 6 percent of payroll, which climbs every raise and every hire. A flat fee does not. Your own number comes from the calculator.
Do I have to offer my team coverage?
Under 50 full-time employees, you are not federally required to offer coverage. Most owners on a team this size do it to hire and keep good people, not because a rule says so. The question the calculator answers is whether real group coverage costs you less than what you run today once admin and the flat fee are in. If you offer nothing now, it shows what starting would actually cost.
Can I be on the plan as the owner?
Yes, through the group plan, alongside your team. This is a real advantage over ICHRA: a more-than-2-percent S-corp owner cannot be covered on a tax-advantaged basis by their own company’s ICHRA. Inside the group plan you can be on the plan with the same treatment your team gets. Your CPA confirms the exact treatment for your situation.
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 run today, your result says so and you owe us nothing. We are not the plan provider; a separate licensed provider runs the coverage. We run your numbers and connect you.
Do I have to give my contact details to see my numbers?
No. The calculator returns your company payroll picture and your personal numbers with no name, email, or phone. Contact is asked only if you want the full CPA audit report, or for a team, to scope placement on a short call. Nothing is stored or shared until you ask.