Welcome to the dev Community! @JustinD
I get what you mean - that jump can feel a bit much for solo users.
The closest option right now is the Pro plan, which is still individual but gives a big bump in usage (more tokens, higher limits, faster responses, etc.), without needing a team setup.
For anything more heavy-duty or production use, most people just use the API on a pay-as-you-go basis alongside that.
You can check out the current plans here: https://chatgpt.com/pricing/
~Smith