Still Overpaying for Health Insurance?
Discover Affordable PPO Plans Built for the Self-Employed
Marketplace plans are not your only option. You may qualify for better coverage with lower deductibles, national networks, and affordable premiums.
*Trusted by 1,000+ self-employed clients across 17 states
1000+
Success Stories
50+
Carriers Across
17
Licensed States
1099
Contractors
Our clients know the
value we provide.
From confusion and frustration to clarity and confidence — here’s what our clients have to say about working with the Insurance Detective.
Services Designed to Make Insurance Simple
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How We Custom-Design a
Policy for You!
Customized private PPO health plans for individuals, families, and self-employed professionals — built around your real needs, not one-size-fits-all coverage.
How We Help You Find the Right Plan
From young professionals to growing families and retirees, we make healthcare coverage easy to understand and simple to use.
Get A Quote
Info Before Buying
Purchasing health insurance can seem like a daunting (and often confusing) process. At USA Benefits Group, our Agents walk you through a step by step process of finding the best policy that is right for you and your family.
Value of an Agent
USA Benefits Group agents have the knowledge and Independent Insurance Consultants to help you with your insurance needs. Our agents are independent insurance consultants licensed in the states where they conduct business.
Product Info
USA Benefits Group's producers have been providing affordable Health and Life insurance to individuals, the self-employed and their families since 1988. We also offer Medicare Supplements, Annuities, Long Term Care and many other benefits.
Our Mission
USA Benefits Group is a nationwide insurance agency dedicated to the principles of service, integrity, professionalism and diversity. We provide an extensive range of insurance products and pledge to honor our commitment to our producers, clients and carriers by holding ourselves to the highest ethical standards. Everything that we do is designed to ensure that our representatives present quality products with a Servant's Heart and a goal of exceeding expectations..
Hey, I'm Richard Tracy. Your Professional Insurance Detective
I'm Richard Tracy, a licensed health insurance broker partnered
with 50+ carriers across 17 states. I help business owners, 1099
contractors, and high-income earners access private health plans
you won't find on the marketplace.
Let's see if you qualify—it's free to check, and could save you
thousands.
Some FAQs to Clear Up Confusion.
We offer private health plans, nationwide PPOs, dental and vision coverage — including non-marketplace options for freelancers, small businesses, and self-employed individuals.
Absolutely. We specialize in health insurance for self-employed professionals, gig workers, and consultants — including low premium PPO options in states like New Jersey, Michigan, California, and New York.
No — we're licensed in over 30+ states, including Connecticut, California, Michigan, and New Jersey. We provide nationwide PPO coverage and personalized support no matter where you’re located.
Marketplace plans are ACA-compliant and available through government exchanges. Private plans, including many off-market PPOs, often provide better networks and more flexibility — especially for families, freelancers, and LLC owners.
Yes. Richard is an independent consultant — we shop across multiple carriers to find the plan that works best for your budget, location, and health needs.
Just request a quote or schedule a free consultation. Richard will walk you through your options — with no pressure or call center scripts.
Yes. We offer Medicare Supplement Plans and help you understand your eligibility and plan benefits — all from a licensed advisor.
I’ll review it and compare it side-by-side with private options. No pressure, just facts.
Never. I’m paid by the carriers. Your consultation is 100% free.
Everything you need to know about Us. Can’t find the answer you’re
looking for? Feel free to contact us at (716) 272-0780
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