For CPAs and accountants
A CPA does not need a sales demo. You need to see the report, identify the inputs, trace the rate card, and verify that the calculation applies the same tax rules no matter who benefits.
Source 1 is the client. Their income, entity, filing status, state, current coverage cost, and covered tier are the client facts.
Source 2 is the broker rate card. Plan premiums, administrative fees, and selected plan tiers are pricing inputs. The engine reads them. It does not choose them.
Source 3 is the calculation. It applies 2026 tax rules to those two input sets and produces the comparison. If the inputs change, the output changes mechanically.
01 / What CPAs already distrust
The familiar vendor pitch
The USA OPS answer
02 / Everything that moves the number is visible
The plan tiers and pricing assumptions are public, so your review starts from the same numbers the client sees.
View pricingThe engine applies the 2026 federal and state treatment to the client inputs. No proprietary judgment has to be trusted.
Review the methodThe full report shows the input, the treatment, and the output. It reads like a workpaper, not a sales summary.
View the CPA sample report03 / Auditable two ways
Route one
Take your client's income, coverage cost, and covered headcount. Apply the posted rates and documented 2026 basis. If your result does not reproduce ours, the engine needs to be corrected.
Route two
The CPA report shows every figure, the input behind it, and the specific treatment applied. You trace the calculation end to end before your client treats the answer as useful.
04 / Built to say no
Plenty of situations should not clear the bar. Income can be too low for the structure to earn its keep. Current coverage can already be priced well. Team math can fail. When that happens, the report says so and your client stays where they are.
If the math does not hold, you tell them, and it stays on the shelf. That is the tool working.
05 / What we do, what stays yours
06 / The category you may be leaving on the table
For decades, the model was built around headcount. That left the business with no employees without a clean structural answer. The single owner. The solo operator. The client who asks you where to go because the individual market is crushing their coverage budget.
The PEO partner behind USA OPS serves exactly that owner, which opens the smallest and most underserved end of a large, established category.
07 / How a CPA puts this to work
The first result costs nothing and asks for nothing until the full report is requested.
You review the inputs, assumptions, and 2026 calculation basis like any client document.
If the math fails, it stops. If it holds, your client has a path worth discussing.
Common questions
You can verify the client inputs, posted rate assumptions, 2026 federal and state basis, and the line-by-line calculation used to produce the result.
No. USA OPS runs the calculation and shows the assumptions. Entity, salary, filing, and planning decisions stay with you and your client.
Your client should stay where they are. The calculation can return a no when the current path is better or when the structure does not earn its keep.
No. The first result is available before contact. If the result is worth reviewing, the client can request the full report and share it with you.
CPA sample report
The sample shows the client inputs, the broker rate-card inputs, and the neutral tax math that turns those two sources into a report your client can bring to you.
Last reviewed: June 2026.
Choose what you allow. Nothing here identifies you, and your inputs to the calculator are never shared until you request the full report.
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