USHEALTH Group

What USHEALTH Group does

USHEALTH Group, Inc. is a privately held, fully integrated insurance holding company founded in 1982 and headquartered in Fort Worth, Texas. It underwrites and distributes individual health, dental, vision, supplemental, disability, accident, critical illness, and term life insurance products through three wholly-owned insurance subsidiaries—Freedom Life Insurance Company of America, National Foundation Life Insurance Company, and Enterprise Life Insurance Company—and distributes them primarily through its wholly-owned captive agent sales force, USHEALTH Advisors, L.L.C., which fields approximately 3,600 licensed, independently-contracted agents operating across 33 U.S. states. The product portfolio includes health plans such as Premier Advantage, Premier Choice, Secure Advantage, and Health Access Plus; supplemental products MedGuard, Accident Protector, Income Protector, and LifeProtector; SecureDental PPO plans in three tiers; and PremierVision, which leverages more than 100,000 provider access points through Spectera Eyecare Networks and the EyeMed Insight network.

The company generates revenue through recurring subscription premiums on its multi-line insurance book, with pricing conducted via a personalized quote process rather than publicly disclosed rate cards. Its go-to-market combines a sales-led captive agent channel with a direct-to-consumer website funnel that captures quote requests and routes prospects to licensed agents. The target customer base is self-employed individuals, families, and small businesses who lack employer-sponsored coverage and need flexible, portable plans; the company reports having served over 15 million customers historically. USHEALTH Group has won the Gold Stevie Award for four consecutive years (2017–2020) and was named Insurance Company of the Year for four consecutive years. Leadership consists of CEO Troy McQuagge and Director Alan Freudenstein; ownership remains private with no disclosed parent, institutional investor, or external capital backing.

Name

USHEALTH Group

Legal name

USHEALTH Group, Inc.

Website

https://ushealthgroup.com

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

251–500 employees

Short description

USHEALTH Group is a privately held Fort Worth, Texas insurance holding company that underwrites and distributes individual health, dental, vision, supplemental, and term life coverage through three subsidiaries and a 3,600-agent captive sales force serving self-employed individuals, families, and small businesses across 33 U.S. states.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD)

akta.pro secondary industry

Fully Insured Group Health Plans (Employer-Sponsored) (FSAIAFAA)

Keywords

• Health insurance
• Supplemental insurance
• Dental coverage
• Vision coverage
• Term life insurance

Headquarters

HQ city

Fort Worth

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Health Insurance Premiums: Recurring premiums from health insurance products including specified disease/sickness and accident plans, short-term medical-surgical expense plans, and health & wellness plans.
2. Vision Insurance Premiums: Recurring premiums for vision coverage through PremierVision plan utilizing Spectera Eyecare Networks.
3. Dental Insurance Premiums: Recurring premiums for dental coverage through SecureDental PPO plans with three tiers: Premium, Saver Plus, and Saver.
4. Supplemental Insurance Products: Lump-sum benefit products including MedGuard (critical illness), Accident Protector (accident coverage), Income Protector (disability), and LifeProtector (term life).

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

USHEALTH Group, Inc. is a fully integrated insurance holding company that underwrites and distributes a portfolio of individual health, dental, vision, supplemental, accident, disability, and term life insurance products. Coverage is offered to self-employed individuals, families, and small businesses across 33 U.S. states, primarily through its captive agent distribution arm USHEALTH Advisors and direct online channels, with policies issued by three wholly-owned underwriting subsidiaries.

Product overview

USHEALTH Group is a fully integrated insurance holding company offering a portfolio of health, supplemental, and specialty insurance products. The core product portfolio includes health insurance plans (Premier Advantage, Premier Choice, Secure Advantage) that provide various levels of medical coverage, supplemented by portable PPO plans (Health Access Plus). The company also offers supplemental insurance products including Med Guard (lump-sum critical illness coverage), Accident Protector (excess medical expense coverage), Income Protector (short-term disability), and Life Protector (term life insurance). Specialty coverage includes Secure Dental (PPO dental plans with three tiers covering preventive through orthodontic care) and Premier Vision (comprehensive vision coverage including exams, lenses, frames, and contacts). The products are designed to be flexible and customizable for individuals, families, and small businesses across 33 states.

Differentiator

Problem solved

Functional benefit

Brands

• Premier Advantage: Health and supplemental insurance plan
• Premier Choice
• Secure Advantage
• Health Access Plus
• Med Guard
• Accident Protector
• Income Protector
• Life Protector
• Secure Dental
• Premier Vision

Products and services

• Premier Advantage A health insurance plan providing comprehensive coverage options for individuals and families, offering any doctor/any hospital access, 24-hour on/off-job coverage, portable coverage, and wellness and health screening benefits.
• Premier Choice Specified Disease/Sickness and Accident Plans along with Health & Wellness Plans offering flexible coverage options for individuals and families.
• Secure Advantage Specified Disease/Sickness and Accident Plans providing coverage for critical illness and medical events, supplementing major medical insurance.
• Health Access Plus A Portable PPO Coverage Fixed Indemnity Plan offered without medical underwriting, providing first dollar payments for covered healthcare services without a calendar year deductible.
• Med Guard Lump-sum benefit plan providing payouts for major illnesses or accidents, designed to supplement existing health coverage.
• Accident Protector Excess medical expense coverage insurance plan that helps fill gaps of out-of-pocket expenses incurred as a result of accidental bodily injury.
• Income Protector Short Term Accident Disability Coverage that provides monthly benefits for up to 12 months if the insured becomes totally disabled due to a covered accident.
• Life Protector A 10-year renewable term life insurance plan with monthly premium options ranging from $10 to $50 in $5 increments, renewable until the insured reaches age 70.
• Secure Dental Dental Coverage PPO Plans with three tiers (Premium, Saver Plus, and Saver) covering preventive, basic, and major dental care, including orthodontic services on the Premium Plan.
• Premier Vision Vision coverage plan providing benefits for annual comprehensive eye exams, corrective standard lenses, frames, or contact lenses through the Spectera Eyecare Networks of over 100,000 access points and the EyeMed Insight network.

Quantifiable outcome

• Over 15 million Americans served with insurance products
• +1 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature1 record

Partnerships

Nine partnerships are on record, tiered minor and core.

• H.O.P.E. Kids ArizonaminorOthers · 1 January 2012USHEALTH Advisors presented a check for more than $25,000 to H.O.P.E. Kids Arizona; a non-profit support community for families of children with cancer and other life threatening illnesses. A year later, the company donated another $45,000 plus when H.O.P.E. Kids opened a chapter near its North Texas headquarters.
• The Crisis NurseryminorOthers · 1 January 2011USHEALTH Group provided thousands of dollars' worth of new shoes, clothing, baby formula and other needed supplies to The Crisis Nursery, a non-profit children's shelter serving the Phoenix/Scottsdale metropolitan area.
• Phoenix of New Orleans (PNOLA)minorOthers · 1 January 2005USHEALTH Group partnered with Phoenix of New Orleans organization in the aftermath of Hurricane Katrina to rebuild homes in the hardest hit areas of New Orleans. The company volunteered hundreds of man-hours toward razing and restoration efforts in the lower Mid-City area.
• Spectera Eyecare NetworkscoreTechnology or IntegrationPremierVision plan utilizes the Spectera Eyecare Networks of over 100,000 access points for vision care. Customers can choose from independent or retail providers within this network.
• EyeMed Insight NetworkcoreTechnology or IntegrationPremierVision coverage provides access to an extensive network of eye care providers through the EyeMed Insight network, giving customers flexibility in choosing providers for glasses or contact lens prescriptions.
• Semper Fi and America's FundminorOthersUSHEALTH Group supports military organizations including Semper Fi and America's Fund through charitable donations and employee volunteer efforts.
• Wounded Warriors ProjectminorOthersUSHEALTH Group supports the Wounded Warriors Project as part of its charitable giving program to military organizations.
• Trinity Habitat for HumanityminorOthersUSHEALTH Group supports Habitat for Humanity's Trinity chapter through charitable donations and volunteer efforts.
• Toys for TotsminorOthersUSHEALTH Group supports Toys for Tots as part of its community outreach and charitable giving initiatives.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Aflac: Aflac is a leading provider of supplemental insurance products (accident, cancer/critical illness, hospital indemnity, life) sold primarily through captive agents to individuals and employers — directly overlapping USHEALTH's Med Guard, Accident Protector, and Income Protector product lines and captive distribution model.
• Globe Life: Globe Life and its subsidiaries (e.g., Family Heritage, Liberty National) sell individual supplemental health, accident, and life insurance through captive agent and worksite channels, closely mirroring USHEALTH's distribution and product positioning to working-class and self-employed buyers.
• HealthMarkets: HealthMarkets is a leading independent insurance brokerage/distributor that sells individual and family health, Medicare, and supplemental products to self-employed and small-business buyers — a near-direct competitor using an agent-driven distribution model similar to USHEALTH Advisors.
• SelectQuote: SelectQuote is a DTC and agent-assisted online distributor of individual life, health, and supplemental insurance, with a captive call-center agent model. It directly competes with USHEALTH Advisors for self-employed and senior buyers shopping for individual coverage.
• eHealth: eHealth operates a leading online health insurance marketplace, helping individuals, families, and small businesses compare and purchase individual health, Medicare, and supplemental plans — directly competing for the same self-employed buyer that USHEALTH targets.
• GoHealth: GoHealth is a health insurance marketplace and Medicare-focused distributor leveraging proprietary technology and a large agent network, directly overlapping with USHEALTH's captive agent and online distribution motion for individual and senior health products.

Broad incumbents

• Allstate Health (including National General): Allstate, through National General, offers individual health, accident, and supplemental insurance products via captive and independent agents, competing in many of the same SMB and individual segments that USHEALTH serves but as part of a much broader national insurance portfolio.
• Cigna: Cigna is a major national health insurer offering individual, family, and supplemental products, including the recent acquisition of HealthSpring/Express Scripts assets — a broad incumbent that competes with USHEALTH for individual and small-group health buyers.
• Humana: Humana is a top-tier health insurer with a major individual Medicare Advantage and individual ACA franchise, as well as supplemental products, providing direct competition for USHEALTH's individual and family health buyer.
• UnitedHealth Group (Golden Rule / UnitedHealthcare): UnitedHealth Group, through Golden Rule and UnitedHealthcare, is the largest U.S. health insurer with a sizable individual and small-group business, providing a broad national incumbent benchmark and competitor for USHEALTH's core health insurance lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ushealth_group
• Facebookfacebook.com/ushealthdirect
• LinkedInlinkedin.com/company/us-health-group
• Instagraminstagram.com/ushealth_group

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about USHEALTH Group