Decent
Decent is a YC Fall 2026 (F26) company. Based in San Francisco, CA, USA. Team of 2.
About Decent
Summary
Decent builds a health insurance brokerage for small businesses that replaces the once-a-year broker review with continuous plan management. It quotes every available coverage option across carriers and PEOs, then monitors claims data throughout the year to negotiate renewals and surface cheaper or richer plans before the employer ever asks. The work it replaces is a passive broker who shops coverage once at renewal and does nothing in between.
Business model
Paid by the insurance company or PEO chosen, at no direct cost to the employer.
Go-to-market
Small business owners get a quote online in minutes; the founder also offers direct 15-minute calls, making it a hybrid of self-serve and founder-led sales.
From the Y Combinator listing
Your health plan should get better year-round. Not just once a year.
Decent is a health insurance brokerage for small businesses. We compare every way to cover your team, show what each one costs, and then keep improving your plan all year. We're paid by insurance companies, so we're free to you.
Facts
- Fintech / Fintech -> Insurance
- San Francisco, CA, USA
- 2
- Active
- Early
Founders (2)
- Andrew Budker
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