Most large U.S. employers self-insure, saving up to 30% on healthcare costs. Decent helps self-employed people band together for similar savings.
We’re solving a big problem for direct primary care (DPC) doctors.
Decent’s wraparound health plans put direct primary care (DPC) at the center: members get unlimited primary care included in their monthly premium. DPC restores the doctor-patient relationship at the heart of healthcare, supporting happier patients, happier doctors, and better and more cost-effective health outcomes. DPC doctors get paid to keep patients healthy, not to pack 10 minute appointments with lab test orders and referrals to specialists. They’ve joined the DPC movement to reject the churn-and-burn fee-for-service model driving healthcare cost escalation in America. And they believe, as we do, that DPC is the future of health.
But today’s DPC doctors have a problem. Most want their members to have insurance as a backup — in case they get hit by a car. But traditional insurance plans include fee-for-service primary care and don’t cover DPC membership. So DPC members have to “pay twice” for their primary care coverage, or go without insurance and risk financial ruin. And for DPC doctors who would prefer to quarterback their members’ care, sending members out alone into the mess of healthcare outside the DPC office feels like putting them on field without a play.
Decent presented our model to 300 DPC doctors at the Hint Summit and got clear validation that it solves their problem. Please watch my presentation here, or below.
After the event I got >50 emails from DPC doctors around the country who want to work together, including Garrison Bliss, the godfather of the DPC movement. Here are some of the things these visionaries had to say:
We’re solving a big problem for health insurance brokers.
Health insurance brokers sell >80% of individual and group health plans in America, and Decent is partnering with them as our primary sales channel. They are licensed, trusted professionals who help individuals, groups, and companies find the right plans.
But today’s health insurance brokers have a problem. Most don’t have any viable options for self-employed people. Brokers who serve individuals want better and more affordable plans. Brokers who serve groups and companies want plans that will accept independent contractors (1099s). And many of these same groups and companies even want to contribute to 1099s’ monthly premiums to build loyalty and take care of their people. The need is large and growing: by many estimates, more than half of American workers will have worked as independent contractors by 2027.
Decent is the solution brokers can offer for this surging demographic. We have already partnered with 15 brokers, including top online broker KindHealth based in Austin, Texas. One broker already helped a top independent real estate firm in Austin choose our plans as the recommended option for its >500 self-employed real estate agents, and we are in conversations with many other brokers, companies and groups that work with and for self-employed people. When we asked a large group broker if he needed more information to help his team sell our plan, he replied,“I told them we now have a solution for 1099s. What more do they need to know?”
We’re solving a big problem for self-employed people.
Stuff in red boxes is done by our team. Stuff in green by DPC doctors. Stuff in blue by tech partners.
Thank you, and how you can help 🙏
Thanks for reading,Nick and the Decent team
Thanks to Molly Moore, Marshall Darr, Suzanne Scharlock, Shine Lee, and Richard Luck.