For the owner
Employee-only, spouse, children, and family tiers can be reviewed through the pricing path.
Single-owner coverage
Single-owner health coverage with group-plan access.
A business of one can still need serious coverage, a national PPO network, payroll discipline, and a tax-aware structure. The PEO path exists because the business can be placed inside a larger employment platform.
Single-owner plan pricing
Current PPO plan tiers for one-owner cases.
Use the toggle to compare owner-only, spouse, children, and family tiers. These are current published plan tiers before final PEO and licensed provider approval.
National PPO carrier
National Tier 1 PPOPlan ALowest deductible
$880per month
National Tier 1 PPOPlan BBalanced
$723per month
National Tier 1 PPOPlan CHighest deductible
$589per month
Plan documents
Open the Cigna plan summaries before the call.
Each card opens the plan summary PDF in a new tab. Review deductible, copays, out-of-pocket structure, and the full coverage terms before moving into discovery.
Plan summaries
Plan A
$1,000 deductible
Lowest deductible
Open the Cigna plan summary PDF and review the full benefits and coverage terms.
Plan B
$3,500 deductible
Balanced
Open the Cigna plan summary PDF and review the full benefits and coverage terms.
Plan C
$7,350 deductible
Highest deductible
Open the Cigna plan summary PDF and review the full benefits and coverage terms.
Decision
The key question is not whether you are small. It is whether you fit the structure.
Single-owner does not mean unsophisticated. Many one-owner businesses have real revenue, high monthly coverage costs, and no reason to accept weak access just because they do not have employees yet.
USA OPS treats the one-owner case as a placement problem. We look at the numbers first, then use the discovery call to confirm the paperwork, timing, and PEO fit.
For the calculation method behind the result, read how USA OPS calculates the number. For the plain overview of the model, read what a PEO is and when it fits.
What matters
What the owner needs to know fast.
For the business
Payroll, HR administration, compliance support, and workers comp can sit inside the PEO stack.
For later growth
If the owner hires employees later, the structure is already built to support a team.
Fit check
The one-owner carve-out is the point.
Single-owner cases are not the same as small teams. The pricing is specialized for one-owner businesses, and the owner should see that before any deeper conversation.
Single-owner pricing is specialized. The clean path is to compare the current monthly cost against the PEO plan tier, the $150 monthly administration fee, and the tax-aware payroll structure.
Coverage can include the owner only, owner plus spouse, owner plus children, or family coverage. Start with single-owner pricing if household tier is the main question.
Path
How a qualified owner moves from first look to decision.
Check the floor
The best starting fit is $80,000 or more in 2026 income and $700 or more in current monthly coverage cost.
Review the published tiers
The single-owner pricing page shows the current PPO plan tiers before final provider approval.
Confirm the file
Once the owner applies and provides paperwork, the target setup path is about three weeks for a clean file.
Related guides
Related owner guides.
Use these guides to compare entity type, work style, household tier, and current monthly cost before the discovery call.
Single-owner pricing
The published plan tiers and the $150 monthly PEO administration fee.
Self-employed coverage
The main guide for owners who work for themselves.
LLC owner coverage
How the structure changes when the business is an LLC.
S-corp owner coverage
How payroll and owner wages affect the math.
Sole proprietor coverage
When a sole proprietor should look at entity and payroll setup.
1099 contractor coverage
The path for contractors paid outside W-2 employment.
Freelancer coverage
A fit check for creative, technical, and advisory solo work.
Fractional executive coverage
The path for fractional CFOs, CISOs, COOs, CPOs, CEOs, CTOs, and other high-earning independent leaders.
Self-employed PPO coverage
Why the PPO network matters before the price matters.
One-owner small business coverage
The guide for a business with one owner and no employees.
Questions
Ask only if the calculator is not enough.
The preferred path is still the calculator because fit is math-driven. Use this form for a simple question about entity setup, household tier, paperwork, or timing.
FAQ
Single-owner PEO coverage questions
Do I need employees to qualify?
No. This path is for one-owner businesses. Fit still depends on income, current monthly coverage cost, entity setup, state rules, payroll, and provider approval.
Is the $589 plan tier available to every owner?
No. Published plan tiers show the current single-owner options. Final availability, eligibility, and terms come from the PEO and licensed provider.
How long does setup take?
Once the owner applies and provides the paperwork, the discovery call explains the timing. The target is roughly three weeks when the file is clean and complete.
What does USA OPS do?
USA OPS qualifies the owner, runs the 2026 math, explains the structure, and connects qualified cases with the PEO path. USA OPS does not sell, underwrite, enroll, or administer coverage.