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I started Insurance Answers USA because I kept seeing the same thing: people paying too much for coverage they didn't understand, or worse — going uninsured because insurance felt impossible to navigate.
As an independent agent, I compare 22+ carriers side-by-side and tell you exactly what I'd choose if I were in your shoes. No scripts. No pressure. No hidden agenda.
Book a Free ConsultationPick a time · No pressure · Always free
The difference between an independent agent and a captive sales rep
I'm not captive to any single carrier. I represent 22+ companies and recommend whichever plan is genuinely best for your situation — even if it pays me less.
When you call, you get me — not a call center, not a chatbot, not a "next available agent." My cell number is on every page of this site.
I won't rush you to sign up. I'll explain every option in plain English until you feel 100% confident you're choosing the right plan.
Most clients who call in the morning have a quote comparison in their inbox by noon. PPO plans can start coverage in as little as 5 business days.
As an independent broker, Philip is appointed with all major carriers — so you get a genuinely unbiased comparison.
“I was paying $480/month. Philip found me a better PPO for $142/month. I wish I had done this years ago.”
“Turning 65 was overwhelming. Philip explained every Medicare option and helped me pick the right Advantage plan.”
“Self-employed and confused about ACA subsidies. Philip walked me through everything and I got $0/month coverage.”
Licensed Insurance Agent · Life, Health & Variable Annuity · NPN #22255420 · FL Lic. #G349232
CoverPath is an independent agency — not affiliated with or endorsed by any government agency.
Medicare has neither reviewed nor endorsed this information.
We represent multiple carriers and do not offer every plan available in your area.
One call with Philip is all it takes. Free, no pressure, same-day response.