Decent | Health insurance costs too much. We priced the other 508.

What comes back

Actual prices for every available plan.

Plus the ones that aren't, and why.

Fully insured group and ICHRA plans come back instantly. The others take a week or two, because an insurance company has to underwrite them first.

Example. 22 employees, San Francisco, 12/1 renewal.
Lane	Quoted	Who and why
Fully insured	yes	Anthem Blue Cross, Blue Shield of California, Health Net, UnitedHealthcare, Aetna, Kaiser Permanente, Sutter Health Plan, Chinese Community Health Plan. Every carrier selling small group in San Francisco.
PEO	yes	Justworks, Rippling, TriNet. All three are eligible at this size.
Level funded	no	Angle Health, Sana. Neither writes California, and the state's $40,000 stop-loss floor prices the lane out anyway.
Association plan	no	California blocks small-employer association coverage.
Self funded	no	Too few employees to absorb a bad claims year.
ICHRA	no	You can't offer it and a group plan to the same employees.

Once we're your broker

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.