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.
Talk to Nick
Nick Soman · Founder & CEO
15 minutes on your renewal and your options.
We turned a 15% price increase into a 2% price decrease.
For Reflex Careers, a Texas startup with about 25 employees on a level-funded plan.
Get the evidence.
We requested Reflex's claims data during the plan year.
Understand the increase.
One large claim was driving costs. Underwriting agreed it wasn't expected to recur, and estimated an increase near 10% without it.
Challenge the offer.
When the proposed increase arrived at 15%, we used underwriting's own analysis to request another review. The revised offer was 10%.
Create another option.
We found a competing plan with lower out-of-pocket costs for 2% less than Reflex pays today. The current insurance company then offered a further reduction. Reflex is choosing between its options.
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 for a San Francisco company
22 employees, plan renews December 1.
| Coverage type | Who and why | Result |
|---|---|---|
| Fully insuredQuotedA standard plan from an insurance company. | Anthem 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. | Justworks, Rippling and TriNet. All three take a company this size. | Quoted |
| ICHRAQuotedYou give each employee a monthly amount to buy their own plan. | Priced 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. | UnitedHealthcare, after it reviews your group. | Quoted |
| Association planNo quoteA plan shared by companies in the same trade group. | California blocks small-company association coverage. | No quote |
| Self fundedNo quoteYour company pays employees' claims itself, with insurance for large ones. | Too few employees to absorb a bad claims year. | No quote |
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 |
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.