Decent

Small business founders, CEOs and people leaders are facing steep health insurance increases, with KFF projecting insurers will ask for 14% more in 2027, adding up to $42,000 more on a $300,000 plan. Many businesses compare only a few plans, accept the first offer they get, and wait until renewal to look for savings, which leaves money on the table. Claims can also contain errors, like continuing to bill for employees who have left the company, that go unnoticed without active monitoring.

Decent is a health insurance broker that compares every available plan across six structures (fully insured, level-funded, PEO, ICHRA, association plan, self-funded), negotiates with carriers, and recommends the best option with transparent pricing. The company is paid by the insurer, so its service is free to the business. Throughout the year, Decent reviews bills and claims to catch errors like charges for former employees, identify lower-cost medicines or procedures, find cheaper care settings such as home infusions instead of hospital visits, and build a data-backed case ahead of renewal negotiations. Clients can also book a 15-minute call with the founder to review their current plan.

Insurers are proposing a 14% increase in 2027 per KFF data, which Decent frames as a reason for small businesses to actively shop and negotiate now rather than accept renewal terms.