Decent
Your health plan should get better year-round. Not just once a year.
Decent is an AI-native health insurance brokerage for small businesses that prices available coverage options, recommends one, and reviews claims data throughout the plan year to challenge renewal rate increases before they are set. The insurance company, PEO or plan administrator chosen pays Decent a commission, so there is no direct cost to the company.
Decent prices fully insured, level funded, PEO and ICHRA options, plus options that are unavailable and the reasons why. Its quote tool prices standard plans and ICHRA immediately, while PEOs and level-funded plans require a group review taking a week or two. For each quotable option, Decent compares full-year cost, coverage, network providers and what the company and employees pay. When a plan shares claims data, Decent reviews it year-round to identify cost drivers and, on level-funded or self-funded plans, presents the case to the insurance company before renewal rates are set. Business associate agreements are put in place whenever health information is accessed or shared.
Decent serves small businesses, with availability varying by company size and state. It can also serve as a second opinion alongside an existing broker.
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