New guy on the block:
Looking for health insurance outside of Open Enrollment? @Decent's Chief Health Plan Officer @Molly23Moore explains your options. If you're self-employed in Austin, we have the only comprehensive plans for sale year round at https://t.co/8eZ1l17obM. Either way, we can help. pic.twitter.com/mPbsnyYhgl— Nick Soman (@nicksoman) April 1, 2020
On the surface, it's a (now) standard MEWA/AHP for self-employed Lone Star Staters, but also a hybrid of insurance & DPC.
The FAQ says doesn't price for pre-ex, which is nice, as well.
I reached out to their CEO, who assured me that:
"It’s not underwritten at all. We ask your age, your zip code, and whether you smoke. Our plans cover comprehensive EHBs too. You need to be self-employed to sign up"
And there's this: the versions of this that are available in my market require membership in an association or chamber of commerce, which can add substantially to the actual cost (one such runs $1,000/year in chamber fees!). Decent's differtent:
"You become part of the Texas Freelance Association, which is free to join, when you choose one of our plans."
Nice!
And I also like that they do use agents/brokers for marketing.
I do have some concerns about the product labeling, but not a huge deal.
Will be interesting to see if this catches on.