About USA OPS
If you run a profitable one-person business or a small team, you have probably been told you are too small to get what large employers get. On group coverage, that is wrong. USA OPS exists to show you the structure most owners are never told they can reach, and to put your own number in front of you before you decide whether it is worth a conversation.
01
What USA OPS is
USA OPS is a flat-fee broker for high-earning solo owners and small employers, up to about 25 W-2 employees. We qualify your situation and run the math on your real 2026 federal and state numbers. Then we connect the owners it serves to a licensed provider.
We are not the plan provider. A separate, licensed provider runs the plan. We run the math and connect you.
The mechanism is simpler than it sounds. You join a large group that already exists. You do not build one. That single change moves you out of the part of the market that prices a one-person business as a one-person business, and into a pool large employers have used for years.
02
Why it exists
USA OPS started with a problem our founder, Nick Angeli, worked through in his own finances first. As a high-earning self-employed owner, he spent years paying retail health premiums with after-tax dollars, priced as a group of one in the most expensive part of the market, and assuming that was simply the cost of working for himself.
In 2024 he ran the real numbers on his own situation and found the cost was structural, and fixable, through a group structure most solo owners are never told they can reach. So he built the math: a sourced, line-by-line comparison on real 2026 tax tables, your current path next to a group plan, built so your own CPA can check every line.
Nick spent fourteen years in high-frequency financial trading, where the math has to be right the first time. Read why his name is on the high-stakes pages.
The 2026 coverage cost increases made the problem impossible for many owners to ignore. What changed in 2026, with sources.
03
How we work
The calculator is built to disqualify the owners the math does not serve. If a group structure would leave you worse off, the number says so, and we tell you plainly. That willingness to say no is the point. It is the only thing that makes the yes worth trusting.
What we actually do is narrow and stated up front: qualify, analyze, connect. You see the qualification before anyone asks you for contact details. How it works, step by step. If you want to check your own fit first, start here: is a PEO a fit for you.
04
How USA OPS is paid
You pay the PEO, never USA OPS. The PEO's flat fee is $150 per person per month for the full stack, or $75 for compliance only, month to month. USA OPS is a referral partner, paid by the PEO when a client it introduces enrolls, at no added cost to you, and our referral fee does not rise with the plan you pick or your premium. So the number has no reason to tell you anything other than what your own figures say.
We work with qualifying owners in all 50 states.
See your number
The clearest way to understand what USA OPS does is to run your own 2026 figures and see your current path next to a group plan. It costs nothing and takes no call. The report is built for your CPA to check line by line. Then you decide whether a discovery call is worth it.
Last reviewed: June 2026.