For a business of one
You were told a business of one is too small for a real group plan. Often, that is wrong.
If you own a US business with no employees, you were probably told to shop the individual market, because one person is too small for the kind of plan a large employer offers. That guidance is right about the rules and wrong about your options. PEO Broker is a flat-fee PEO broker. We help a business of one find out, on its own 2026 numbers, whether it can join a real group plan instead.
You do not build a group to get a group plan. You join a large one that already exists, the same way a big employer's staff does. The plan is a National Tier 1 PPO, the kind a large company runs for its people, and the premium runs through payroll.
We are not the plan provider. A separate, licensed provider runs the plan. We run the math and connect you.
No fee and no contact for the first result.
01
Who this is for
This page is for the owner of a business of one who wants a real number before any sales process. The math tends to work when you:
- net about $90,000 or more in 2026,
- pay about $500 or more a month for coverage today, and
- file or will file as an S-corp or C-corp.
If that is you, a group plan may change your 2026 picture enough to be worth a look. If your income or coverage cost is well below that, the model is built to tell you early, and you can stop there without a call.
If you have W-2 employees, the math and the structure are different for a team. See the team path.
If you recently left a job and are paying a COBRA bill with no subsidy at your income, this is one of the clearest cases the calculator catches.
02
How a business of one joins a group plan
The structure is not new. Large companies have used a version of it for decades. You join an existing large group through our PEO partner, the entity that sponsors the plan and runs the back office: underwriting, enrollment, payroll, and service. You stay the owner of your business. You do not become anyone's employee, and you do not assemble a group of your own.
What you get is access. A National Tier 1 PPO with the network and the stability a large employer's plan has, priced for a large group instead of for you alone on the individual market. Top-tier dental and vision sit alongside it, and you can run a 401(k) through the same structure. Your CPA can check how it is set up.
Our PEO partner is Industry Association and Bonding Authority accredited, and the group plan is offered in all 50 states.
See how the process works and why a business of one can qualify.
03
See the number first, not a lead form
Most coverage conversations begin by collecting your contact information. This one begins with your math.
The calculator runs on a few facts: your net income, what you pay now, your state, and your entity. From those, it returns your personal 2026 return run two ways, your current path next to the path through a group plan. It also shows three plan tiers. You see that result before PEO Broker has your name, email, or phone. A 6-digit text code then opens the full report, every line, built for your CPA to check.
The willingness to say no is the point. The model will tell you to stay put when staying put is the better move. PEO Broker is paid by the PEO, not by you, and only if you enroll, so the first result costs you nothing and asks nothing of you.
04
Why this matters for 2026
Going it alone got more expensive. With the enhanced premium help expired, the average marketplace enrollee's net premium rose about 58 percent and the average deductible rose about 37 percent for 2026 (KFF, 2026). The owners who earn the most tend to feel it the most, because they were already paying full price out of pocket. As one example, a 60-year-old above the subsidy threshold can pay about $865 more a month for a comparable Silver plan (KFF, 2026).
That is the cost of the path you are on now. The calculator shows it next to the group-plan path on your own figures.
05
What it costs
The PEO's fee is flat: $150 per person per month for the full stack, or $75 a month for compliance only. It is month to month, and it does not climb when you pay yourself more or the business grows. You pay the PEO, not PEO Broker. PEO Broker is paid a referral fee by the PEO, never by you, and it does not rise with the plan you pick or the premium you pay. That is why the first result is honest. We have no reason to push you toward a plan that does not beat what you have.
06
When this is not a fit
A clear no protects your time. A business of one is probably not a fit if:
- your current coverage is already low cost,
- a spouse's employer plan already covers you,
- you are looking for a subsidy or for someone else to pay the premium, or
- you want PEO Broker to make your medical, tax, or legal decisions for you.
If the model comes back weak, staying where you are is likely the better call for now. You can run it again when your income or situation changes. See whether a PEO is a fit for you.
07
Frequently asked questions
Can a business with no employees really get a group plan?
Often, yes. You join an existing large group through our PEO partner rather than building a group yourself. Eligibility depends on your business facts, your entity, and the provider's review, which is why the calculator checks your specific numbers first.
Do I have to talk to someone before I see anything?
No. The first result comes from your own inputs, before any call. You decide afterward whether a discovery call is worth your time.
Does PEO Broker provide the coverage?
No. The group plan comes from our PEO partner, which handles underwriting, enrollment, payroll, and service. PEO Broker runs the analysis, explains the fit, and connects you when the numbers work.
What about my taxes and my retirement?
Those stay with you and your CPA. We show your 2026 numbers and build the report so your CPA can check the assumptions and the tax treatment. On retirement, a group structure does not replace your own plan. You can still open and run a 401(k) as the owner.
What does it cost?
The first result costs nothing. If you proceed, you pay the PEO a flat $150 per person per month for the full stack, or $75 for compliance only, month to month. PEO Broker does not charge you.
What if the number says I should stay put?
Then you have your answer, and you saved yourself a sales process. Run it again when your income or coverage cost changes.
Last reviewed: June 2026.
See your number