Why we stand out

If you’re self-employed, finding health insurance shouldn’t be as complicated as brain surgery (leave that to our doctors).

Here’s why our health insurance plans might be right for you:

Pathfinder Bronze Plan Lonestar Bronze Plan Trailblazer Silver Plan
Who is this plan best for? Want to be covered in case something bad happens? People who expect to use their insurance from time to time People with families, medical conditions, or prescriptions
What’s going to be my favorite part? Lowest premiums in Austin* $0 medical deductible Manageable copays for most everything
Unlimited, free in-person primary care with your doctor Checked Checked Checked
Unlimited, free 24/7 telemedicine with your doctor Checked Checked Checked
Uncapped benefits after hitting out of pocket max Checked Checked Checked
Is “real health insurance” Checked Checked Checked
Is there a VDPC option? Checked Checked Checked
Immediate copays on services Checked Checked
Immediate copays on pharmaceuticals Checked

*of any ACA compliant medal level plan - for nonsmokers

Your very own dedicated physician-free

Customize your care to fit your needs. All of Decent's plans come with the option of unlimited free in-person primary care or unlimited free virtual primary care.

Here's how to decide which options are best for you:

Standard plans:

  • Unlimited office visits with your primary care doctor
  • 24/7 phone access with your primary care doctor
  • Preventative care screenings and procedures
  • Any additional procedure that happens in your primary care physician's office

Virtual plans:

  • Unlimited virtual visits with your primary care doctor
  • Meet with the same doctor
  • Get the referrals or prescriptions you need over the phone

Save about $50 per month on your monthly premiums per person.

Need to know a little more about Direct Primary Care before deciding?

Here’s why it’s so special

$0 medical deductible bronze plan

Most bronze plans require you to hit a sizeable deductible before you gain access to copays on medical services. What if we changed that? Our Lonestar bronze plan is one of the first of its kind, a bronze plan without a medical deductible that gives out access to copays on day one. Know what you’re going to pay before getting the bill.

The silver lining in health insurance

Self-employed individuals looking for a Texas silver plan may want to consider Decent’s Trailblazer silver plan. This plan is designed specifically for freelancers to be affordable, comprehensive, and easy-to-understand. In addition to free primary care, you enjoy low or no copays for care before you’ve hit your deductible.

Our bronze plan takes first place

For those looking for a higher-deductible, higher out-of-pocket plan that has lower premiums, our Pathfinder bronze plan is the most affordable option. This simple and straightforward plan is a great fit for young and healthy freelancers and other self-employed individuals shopping at the bronze plan level. We want to keep you healthy so you can focus your energy on things that matter.

Save in seconds

Our year-round open enrollment means that if you see a quote you like, you can start signing up for superior insurance right now.