Still Overpaying for Health Insurance? Discover Affordable PPO Plans Built for the Self-Employed
Marketplace plans aren't your only option. You may qualify for better coverage with lower deductibles, national networks, and affordable premiums.
What Our Clients Say
Richard helped me save $300/month and actually walked me through how to use my insurance to avoid surprise bills. Game changer!
Jen B., Freelance Designer.
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.
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Dick Tracy
Hey, I'm Richard Tracy
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.
Access to private PPO plans not listed on the marketplace
Get A QuoteLower premiums, low deductibles & real coverage
Get A QuoteNationwide networks — no more “out-of-area” surprises
Get A QuoteCustomized plans for self-employed, families & business owners
Get A QuoteNo fees — I’m paid by the insurance companies, not you
Get A QuoteOur 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..
At Your Service
Info Before Buying
Purchasing health insurance can seem like a daunting (and often times 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! Contact us or request a quote & a USABG Licensed Agent will provide you with one on one service!
Value of an Agent
USA Benefits Group agents have the knowledge and Independent Insurance Consultants to help you with your insurance needs. We are NOT a call center! Our agents are independent insurance consultants and they are 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.
Frequently Asked Questions
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.