Find Better Health Plans
That Fit Your Life

Compare Private Plans, Save More, Get Covered.
Speak directly with Richard, a licensed agent for custom coverage, no call centers, no pressure.

Trusted & Recognize

Since 1988, USABG has offered trusted insurance solutions and is backed by an A+ BBB rating.

TRY IT RISK FREE

If you’re on the marketplace or stuck with a group plan, you might be missing out on better options with lower deductibles, nationwide coverage, and premiums that make sense.

MEET THE FOUNDER

Hey, I'm Richard Tracy

I'm Richard Tracy, a licensed health insurance broker working with over 50 carriers across 30+ states. I help business owners, 1099 contractors, and high-income earners find health insurance plans you won’t see on the marketplace.

Let’s see if you qualify—it’s free to check, and could save you thousands.

Why Work with US ?

Whether you're self-employed, a freelancer, or looking for private insurance for your family or small business, we help you:

Get low-cost health coverage tailored to your needs

Access private PPO plans that work nationwide

Choose from Medicare Supplement Plans

Explore non-marketplace options that bypass the ACA exchange

Get expert help licensed in 30+ states

Dental and Vision

STILL NOT SURE?

What They Think of Us

Stephanie Kennedy

Stephanie Kennedy

Working with Richard Tracy helped me to find affordable health insurance that catered to me as a Small Business Owner!

Steve Silvestri

Richard Tracy is one of the most caring, passionate and detailed professionals I have ever dealt with. I highly recommend him to help guide you through the insurance and healthcare maze that unfortunately exists. He has a NASA engineer like knowledge of the industry and makes it very simple for the layperson to understand. The amount of time he will spend with you to make sure things are clear/transparent is amazing/unbelievable. He’s a machine and he’s flat out awesome!

Services

At Your Service

Info Before Buying

Finding the right health plan can be confusing — we make it simple. Get help from Richard, a licensed insurance consultant, to explore:

  • Private family insurance in New York

  • Low-cost PPO plans in New Jersey

  • Freelancer coverage in California

👉 Request a quote and get one-on-one help, no call centers.

Value of Richard

Richard is independent consultants, not tied to any one company. We help:

  • 1099 workers in Michigan

  • LLC owners in California

  • Self-employed families nationwide

👉 We work for you, not the carrier.

Product Info

Since 1988, USABG has offered:

  • Affordable private health insurance

  • Dental and Vision

👉 We specialize in off-market plans that fit your life and budget.

STILL NOT SURE?

Frequently Asked Questions

1. What type of health insurance do you offer?

We offer private health plans, nationwide PPOs, dental and vision coverage — including non-marketplace options for freelancers, small businesses, and self-employed individuals.

2. Can I get health insurance if I’m self-employed or a 1099 contractor?

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.

3. Do you only work with New York clients?

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.

4. What's the difference between marketplace and private plans?

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.

5. Can you help me compare different insurance plans?

Yes. Richard is independent consultants — we shop across multiple carriers to find the plan that works best for your budget, location, and health needs.

6. How do I get started?

Just request a quote or schedule a free consultation. Richard will walk you through your options — with no pressure or call center scripts.

7. Do you offer Medicare plans?

Yes. We offer Medicare Supplement Plans and help you understand your eligibility and plan benefits — all from a licensed advisor.

Stop overpaying. Start customizing.

Most people don’t even know these options exist—because they’re not available to the public. I’m Richard Tracy, a licensed broker working with 50+ companies in 30+ states . I’ll walk you through side-by-side options to see what makes the most sense for your needs and budget.


You Might Be Missing Out on the Health Insurance You Deserve
💬 Let’s find out what you're really eligible for.

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