Your health plan should get better every month. Not just once a year.
Decent is a health insurance broker for small businesses. We compare every way to cover your team, show what each one costs, and keep improving your plan all year. The insurance company or PEO you choose pays us, so we're free to you.
Start with a few details. Add your team when you're ready.Backed by Y Combinator
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Talk to Nick
Nick Soman · Founder & CEOFounder & CEO
15 minutes to help make your plan better.
Reflex was facing a 15% rate increase. We found them a richer plan for less than they pay today.
Reflex Careers, a Texas startup with about 25 employees on a level-funded plan.
Get the data.
During the plan year, we asked the insurance company for Reflex's claims data.
Understand the increase.
One large claim was driving costs. The insurance company's underwriters agreed it wasn't likely to happen again, and estimated an increase of about 10% without it.
Challenge the offer.
When the renewal came in at 15%, we showed the insurance company its own underwriters' estimate and asked it to look again. It came back at 10%.
Create another option.
We found a plan from another insurance company with lower out-of-pocket costs, for 2% less than Reflex pays today. The current insurance company then lowered its offer again. Reflex is choosing between the two.
Every option you can get, priced.
Plus the ones you can't, and why. PEOs and level-funded plans review your group first, so their prices take a week or two.
Example coverage report
San Francisco company, 22 employees, plan renews December 1.
Four options to compare. Two ruled out.
| Coverage type | Who and why | Result |
|---|---|---|
| Fully insuredQuotedA standard plan from an insurance company. | Who and why for Fully insuredAnthem Blue Cross, Blue Shield of California, UnitedHealthcare, Aetna, Kaiser Permanente, Sutter Health Plus, Chinese Community Health Plan, and Health Net through CaliforniaChoice. | Quoted |
| PEOQuotedA payroll and HR company whose group plan your team joins. | Who and why for PEOJustworks, Rippling and TriNet. All three take a company this size. | Quoted |
| ICHRAQuotedYou give each employee a monthly amount to buy their own plan. | Who and why for ICHRAPriced from the individual plans where each employee lives. It replaces the group plan for the employees who get it. | Quoted |
| Level fundedQuotedA fixed monthly cost, with money back in some years if claims are low. | Who and why for Level fundedUnitedHealthcare, after it reviews your group. | Quoted |
| Association planNot allowedA plan shared by companies in the same trade group. | California blocks small-company association coverage. | Not allowed |
| Self fundedToo smallYour company pays employees' claims itself, with insurance for large ones. | Too few employees to absorb a bad claims year. | Too small |
Illustrative report only. Availability varies by company.
For each option we can quote, we compare the full-year cost, including any PEO fee, plus what it covers, which doctors and hospitals are in network, and what your company and employees each pay. Then we help you pick one.
Get a quoteSee what's driving your plan's costs.
When your plan shares claims data, we review it every month and find what's driving costs. On a level-funded or self-funded plan, we make the case to your insurance company before your renewal is set.
What we found
$48,000 in plan costs from one member's specialty drug infusions, February to July.
The treatment ended in July. We make the case that it shouldn't set next year's rates.
Illustrative example, not actual member data or a promised outcome.
How the timing changes
| Point of comparison | Renewal-only service | Decent |
|---|---|---|
| When claims get reviewed | Once, at renewal | Every month |
| When you see what's coming | In the renewal letter, about 60 days out | From the first months of the plan year |
| When someone acts on it | After the number is set | While it can still change the number |
- Claims get reviewed: every month, not once at renewal.
- You see what's coming: from the first months of the plan year, not when the renewal letter arrives about 60 days out.
- Someone acts on it: while it can still change the number, not after it's set.
A standard small-group plan is priced from the insurance company's published rates, not your team's claims, and usually shares less data. We'll tell you up front what your plan lets us see.
If your broker already does all this, keep them.
We'd like to meet them. If not, get a quote or book 15 minutes with Nick.