For solo owners and small teams up to 25
large-site.peotools.comThe big-company health plan you were told you're too small to get
You join a large employer group that already exists. You do not build one. Through it, a solo owner or a team up to 25 gets the health plan, payroll, benefits, and HR a big company runs in house.
PEO Broker runs your 2026 numbers first, your personal taxes and your company coverage cost, so you see what the change would do to your money before you give us a name.
No fee and no contact for the first result.
What you'll see
A few facts, a few minutes, one screen.
Before you give us your name, you see:
Your personal 2026 taxes
Run two ways: your path now, and through a group plan.
Your company's coverage cost
What a group plan does to what you spend on the team.
Three plan tiers
A national PPO, your current path next to the group path.
These come from your inputs, not averages. See a sample report.
01Who comes out ahead
The math works best when the stakes are real.
It fits an owner who nets about $90,000 or more, pays about $500 or more a month for coverage, and files or will file as an S-corp or C-corp. Two kinds of owner fit.
If your income, coverage cost, or team size sits outside that range, the model is built to tell you early.
No employees, told a one-person business cannot get a real group plan.
That answer is often wrong, and your own number will show whether it is wrong for you.
See the owner path1 to 25 W-2 employees, reconsidering how you cover them.
Renewal cost, retention, or payroll load has you rethinking the way you cover your people.
See the team path02The bottom line, proven
The fee is one line on the page. The engine shows whether a large group's price covers more than the fee, on your own 2026 figures.
Most owners never check. They pay what they pay, assume there is no better option for someone their size, and quietly carry the difference.
Inside a large group that already exists, the plan price usually drops. The engine sets that drop next to the flat fee, after the federal and state tax runs both ways, on your own figures. For an owner who clears the line, the lower group price covers more than the fee, so it comes out of what you already spend. When it does not, the screen tells you to stay put, and you have lost nothing but five minutes.
You see it before PEO Broker has your name, and you decide what happens next. A 6-digit text code opens the full report, every line built for your CPA to check.
What the engine weighs
Net income, what you pay now for coverage, your state, your entity, your team size.
$150 or $75 per person per month, the same as you grow, never a cut of payroll.
Your 2026 path now, next to the path through a group plan, line by line.
No contact required. A 6-digit text code opens the full report.
03How it works
Three steps, in plain order.
Qualify
The first result shows whether a group plan is likely to help you, hurt you, or change little.
Analyze
The full report lays the math out line by line, current path against the group plan, on 2026 figures.
Place
If the numbers hold, we connect you with our PEO partner, who runs the plan. We run the math and connect you.
04What you would actually get
A National Tier 1 PPO, the kind a large employer offers.
A National Tier 1 PPO, offered in three tiers that trade monthly cost against deductible.
See what you getThe three tiers and what each costs are in the open on the pricing page.
It is month to month, and it does not climb as you grow. You pay the PEO, not PEO Broker.
05Why this matters now, in 2026
The cost of going it alone went up.
With the enhanced premium help expired, the owners who earn the most felt it the most, and a small team feels the same pressure at renewal.
Net premium
Average marketplace net premium. KFF, 2026.
Deductible
Average deductible. KFF, 2026.
One example
$865
more per month
A 60-year-old above the subsidy threshold, comparable plan. (KFF, 2026)
It made national news
PEO Broker is not affiliated with or endorsed by these outlets. Segments are shown as topical 2026 context, not as endorsement.
06Why owners trust the process
The willingness to say no is the point.
- You see your number before any contact.
- The model will tell you to stay put when that is the better move.
- PEO Broker is paid by the PEO, not by you, and only if you enroll.
That is why the first result costs nothing and asks nothing of you. You pay the PEO the same fee whichever plan you pick.
- We are not the carrier, the PEO, your CPA, or your attorney.
We qualify, analyze, and connect.
- The PEO partner is Industry Association and Bonding Authority accredited.
07When this is not a fit
A clear no protects your time.
Not sure which side you land on?
- Your current coverage is already low cost.
- A spouse's plan already covers you.
- You expect the plan to be subsidized or paid by someone else.
- You want PEO Broker to make your medical, tax, or legal decisions.
08Frequently asked questions
Answers, before you ask.
Do I need to talk to someone first?
Does PEO Broker provide the coverage?
What does it cost?
What does my CPA review?
What if the model says no?
See your number