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Health insurance application Decent’s plans are ACA-compliant and resemble bronze and silver plans sold on the exchanges, but are offered outside of the exchanges year-round. (Photo: iStock)

The combination of self-insurance and direct primary care can pack quite the savings punch for the self-employed, according to Decent, a new third-party administrator that has just launched an innovative twist to health plans.

Indeed, freelancers, 1099 contractors and sole proprietors will be able to save upwards of 30 percent on premiums if they buy health plans self-insured by trade associations, with networks of direct care doctors charging lower membership fees negotiated by the San Francisco-based Decent.

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Katie Kuehner-Hebert

Katie Kuehner-Hebert is a freelance writer based in Running Springs, Calif. She has more than three decades of journalism experience, with particular expertise in employee benefits and other human resource topics.

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