A health insurance broker for the whole market.
Decent compares the viable ways to cover your team, shows what each option costs, and keeps working on your plan after you choose.
See the options before you choose.
Decent checks what is available to your company rather than stopping at one type of plan. Some routes can be priced from filed or public rates. Others require carrier review before a quote comes back.
The comparison also explains why a route cannot be quoted, so an unavailable plan does not quietly disappear from the conversation.
Filed or public rates
Often available soonerFully insured group plans, ICHRA and QSEHRA, when eligible.
Carrier-reviewed options
More time to quotePEO, level-funded and self-funded routes, where appropriate for the company.
Availability and timing depend on the company, market and underwriting. No option is guaranteed to fit every team.
One conversation starts the comparison.
You do not need to send employee information through the first meeting request. Decent can tell you what is needed for an accurate comparison after learning about your company.
Tell us about your team
Start with your company, employee count and headquarters state. If you already offer coverage, bring your renewal when you speak with us.
Compare the routes
See which plans can be quoted, which need more time, and why some are ruled out.
Keep reviewing
Decent watches the plan throughout the year as data becomes available and reviews changes before renewal.
Need the details first? See what to prepare for a quote.
The work does not stop at enrollment.
When a plan shares claims and prescription data, Decent looks for changes in spending and opportunities to improve the plan before the next renewal. The information available depends on the type of plan.
See how Decent gets paidSee what is possible for your team.
Tell us a little about your company, then choose a time on Nick’s calendar to discuss the coverage routes worth comparing.