Backed by Y CombinatorLocate
$100,000 a year below its renewal. Kept the team's doctors.
For founders, CEOs and people leaders
Your health plan should get better year-round. Not just once a year.
We're a health insurance broker. We compare every available plan, negotiate hard and get you a better plan for less. Then we keep improving it all year. The insurance company pays us, so we’re free to you.
See real prices in minutes.Backed by Y Combinator
Bindery
41% below its renewal offer, with a lower deductible.
Can you get a better deal? Ask Nick.
Nick Soman · Founder & CEO
15 minutes to help make your plan better.
Why small businesses pay too much for insurance
Insurance companies are asking small businesses to pay 14% more in 2027, according to KFF.
On a $300,000-a-year plan, that's $42,000 more. Here's how to avoid paying more than you need to.
| What costs you more | What we do |
|---|---|
Comparing only a few plans | We compare every available plan and show you the real prices. |
Accepting the first offer | We get competing quotes and negotiate hard. |
Waiting until renewal to look for improvements | We use your claims data to find better, lower-cost care, all year. |
Texas startup Reflex Careers faced a 15% increase. Now they pay 10% less than last year.
Their claims data showed that one large claim drove the increase, and the plan's underwriters agreed that cost was unlikely to repeat. So we shopped other insurance companies and found a cheaper plan with lower out-of-pocket costs.
"Nick has helped Reflex with our health plans for the last 4 years. When our claims got stuck this summer, he was the one on hold with the insurance company getting it fixed."
One comparison, every kind of plan.
We show you what each option costs, fees included, and what changes for your employees. Then we tell you which one we recommend and why.
We check all six for you:
Fully insured
You pay an insurance company a set monthly price, and it pays the claims.
Level-funded
You pay a set monthly price and may get money back when claims are low.
PEO
You join the group plan of a payroll and HR company, like Justworks, Rippling or TriNet.
ICHRA
You give each employee a tax-free monthly allowance to buy their own plan.
Association plan
You join a plan with other companies in your industry.
Self-funded
You pay your team's claims yourself, with insurance for very large ones.
Then we keep improving your plan, all year.
What our clients say
"Our health insurance renewal came in 25% higher. Decent found us a better setup that saves more than $100,000 a year against it, kept the doctors our team uses, and lowered everyone's out-of-pocket maximum."
"Health insurance is one of the biggest lines in our opex, and one of the hardest to understand. Decent got us a better plan for 41% less than our renewal, and we finally felt in control."
"We were combining three companies’ benefits into one, with a hard October 1 deadline. Decent moved everyone onto one plan and cut our first-year cost by over $90,000 against our renewal."
"My team had a lot of questions. Decent answered every one, usually by text within minutes. They put the options in writing for leadership and worked through every snag. We got better plans, and nobody’s paycheck went down."
"We’d never offered health insurance before. Decent shopped eleven options, walked us through each one, and helped us find a solution that cost a third less than what another broker quoted and made financial sense for our business while delivering exceptional value to our employees."
Jenna BlakeyCOO, Origin FisheriesModernizes the fishing supply chain
If your broker already does all this, keep them.
We'd like to meet them. If not, let's get you a better plan.
Not ready yet?
Tell us when your plan renews, and we'll get in touch before then.
We'll only use your email to reach you before your renewal.