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Health plans that make sense

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Small business owner holding a laptop with Decent's logo
Small business owner holding a laptop with Decent's logo
Thank you! Your submission has been received!
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The health insurance you want and the payroll you need

Meet your new favorite health plans

We designed our health plans with Texas small businesses in mind. No silly metal tier names. No overwhelming list of details. No asterisks with tiny footnotes. That’s Decent.

Zero Plans

Traditional

TLDR:

$0 deductibles, free primary care, and low premiums

HSA-compatible plans with a broad primary care network

Who it’s a fit for?

Anyone mostly healthy, even if they’re somewhat accident prone

People interested in HSAs or with health situations that are a little complicated

Primary care:

Direct primary care - free care with providers like One Medical

Fully-covered after deductible

Deductible:

$0

$3,000individual
$6,000 family

Out of pocket max:

$4,500 - $8,150 individual / *$9,000 - $16,300 family

$3,000 individual
$6,000 family

Specialist referrals:

None required

None required

Specialist visits:

$35 - $85 copay

Fully-covered after deductible

Urgent care:

$35 - $100 copay

Fully-covered after deductible

Emergency room:

$250 - $500 copay

Fully-covered after deductible

There are four different versions of the Zero plan. The one you select ultimately affects your copays, and out-of-pocket max.

More than health insurance

Interested in offering other employees benefits in addition to health insurance? We have you covered. From long and short-term disability insurance to 401k retirement packages, available to you with no additional fees.

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Health plans
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Dental plans
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Vision insurance
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Disability
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Retirement plans
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Life insurance

Getting a quote is easy peasy

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Book a meeting

We’ll gather a few employee census details.

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Give us 48 hours

 to put together a proposal.

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Review the proposal

with your account manager.

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Onboard with Decent

If you like what you see, we are ready when you are.

Save in Seconds

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