Every quote a health insurance broker can see.Now you can too.

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Don't have a broker? Here's what we need.

Your census copy our template

  • Full name, date of birth, gender and home ZIP code for every employee.
  • The same for any spouse or children they would cover.
  • Names of anyone waiving, and whether they have coverage elsewhere.

Your company

  • Legal name and EIN.
  • When you want coverage to start.

Every way to buy coverage

How fast we quote

Fully insuredInstant
ICHRAInstant
QSEHRAInstant
PEOOne to two weeks
Level fundedOne to two weeks
Self-fundedOne to two weeks
What brokers get paid $22 to $105 / employee / mo

What comes back

Real rates for every available option.

Plus the ones that aren't, and why.

Fully insured, ICHRA and QSEHRA come back instantly. Those run off filed and public rates, so it's arithmetic. The other three take one to two weeks, because a person at the carrier has to underwrite them first.

Example. 22 employees, Seattle, 12/1 renewal.
LaneQuotedReason
Regence BlueShieldyesSmall group, WA situs.
JustworksyesPEO, eligible at this size.
Rippling PEOyesPEO, eligible at this size.
TriNetyesPEO, eligible at this size.
Angle HealthyesLevel funded, medically underwritten.
QSEHRAnoOnly for employers with no group plan. You have one.
KaisernoFour of your employees live outside the service area.
Self-fundednoStop-loss carriers generally won't price a group this small without claims history.

After you hire us

Your company can improve every month.Your benefits should, too.

Decent makes your benefits cheaper and better throughout the year. When spend increases, we tell you why, and help you fix it right now.

Every monthClaims and drug spend, where your plan shows them.
MidyearWhat's driving any cost spikes we see, and how to fix it this year, BEFORE renewal.
RenewalEvery available option, priced.

If your broker already does all this for you, keep them. We'd like to meet them.

Send it over