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

Send us what you already sent your broker.We won't tell.

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Or forward it to .

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

Your census or 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.
Company HQ address.
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

Brokers get paid <$20 to >$100 / 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.
Lane	Quoted	Reason
Regence BlueShield	yes	Small group, WA situs.
Justworks	yes	PEO, eligible at this size.
Rippling PEO	yes	PEO, eligible at this size.
TriNet	yes	PEO, eligible at this size.
Angle Health	yes	Level funded, medically underwritten.
QSEHRA	no	Only for employers with no group plan. You have one.
Kaiser	no	Four of your employees live outside the service area.
Self-funded	no	Stop-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