Why a stampede towards level funded plans is upending the group market as we know it. — The game has begun to shift under our feet, and the tried and true fully insured group plan might be short for this world as a result. Here’s why: Big change #1: How (healthy) businesses get their benefits has changed dramatically The small group market has changed radically and odds are you haven’t noticed because this stuff is as boring as it…

How a hot new group coverage type is changing the game (written by a benefit nerd for non-nerds.) — In the US, around 156 million people get health insurance from their employer. It’s a tradition dating back to a wage freeze in WWII that left businesses scrambling to come up with a way to compete on talent if they couldn’t actually pay their employees more. …

And why health insurance is next — Part of existing in a complicated world is exchanging money with people to take care of complicated things for you. There is simply no reasonable way that you could be an expert in everything you need. Hence why most complex-ish purchases have always involved a middle man of sometimes questionable…

And why the fate of the ACA hangs in the balance — Fully insured group plans are on the way out. These are the traditional way that small businesses have gotten insured ever since the Affordable Care Act passed. Rates are set on a county level, all applicants are guaranteed a policy, and they get 13% more expensive every year. …

It’s time for a good stretch — If you’ve ever started a business (or even thought seriously about starting a business), one of the first things you probably encountered is just how much health insurance sucks. After several sales calls and hours reviewing options, you find out that it’ll cost you about $1,000 per employee per month…

We spend a lot of money on our health insurance — $1.1 trillion last year to be exact. If you think that’s too much (it is), here’s who to blame: — If you’ve been paying any attention to life in America over the past 50 years, you’re probably noticed that this whole “private health insurance” thing is getting a little out of hand. Since 1999 health insurance premium growth has risen at triple the rate of wages. Costs and deductibles are…

Surprise, surprise, America’s most popular health insurance plan design is fundamentally flawed. — Before we get going: who am I?

Decent’s a new team, and like most new teams, our first website was pretty much an out-of-the-box default. The design wasn’t horrible, but for a team with ambitions to shake up the health insurance industry, it probably wasn’t going to get the job done. Here’s how we found our groove. Step 1: The team

It’s my first month at Decent — I‘ll be our Marketing Lead. Nice to meet you. Here’s some things to know about me: Why is improving access to health insurance important to you? When I turned 26 I was poor. I was working to start my first company, and we weren’t exactly flooded with cash. I was living off of…