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Plain guides to the tax and coverage decisions a small business owner faces in 2026, and how to tell whether a PEO structure leaves you better off. Each one leads with a direct answer, shows its sources, and points you to your own number when you are ready.
01
Taxes
The structure you file under changes what you owe. Start here if the tax question brought you in.
02
Coverage for owners
Group coverage is not just for big companies. These cover how a small business, even a business of one, gets a real plan.
Group coverage for a business of onehow a solo owner joins a real group plan.Single owner health coveragethe $589 monthly PPO number a business of one should test.How a small business gets group coveragethe three routes for a team of 1 to 25.Coverage for S-corp ownerswhy the HRA tools lock owners out, and what works instead.Coverage after COBRAwhat COBRA really costs and your alternatives when it ends.The 2026 coverage cost increasewhat changed this year and who it hits hardest.
03
Decide
When you are weighing the move itself.
What is a PEOplain-English basics: what it does, what you keep, and why the structure matters.Why a PEOwhat a PEO is, what it handles, and when it is worth it.Why use a brokerhow a broker beats going direct, and why our pay does not pick your plan.Glossaryco-employment, self-employment tax, deductible, and the rest, defined plainly.FAQstraight answers about cost, fit, your data, and what stays your job.
Last reviewed: June 2026.
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