Backed by Y CombinatorFully insured
You pay an insurance company a set monthly price, and it pays the claims.
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
Can you get a better deal? Ask Nick.
Nick Soman · Founder & CEO
15 minutes to help make your plan better.
What our clients say
"We sell healthcare price data for a living, and our renewal still caught us off guard. Decent shopped dozens of PEOs, carriers and plans, and found us a richer plan for $60,000 a year less. Nobody on our team pays more."
"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."
"Nick was a huge help. For any founder choosing a health plan, I highly recommend a quick call with him."
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:
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.
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.