Health insurance applicationDecent's plans are ACA-compliant and resemble bronze and silverplans sold on the exchanges, but are offered outside of theexchanges year-round. (Photo: iStock)

The combination of self-insurance and direct primary care canpack quite the savings punch for the self-employed, according toDecent, a newthird-party administrator that has just launched an innovativetwist to health plans.

Indeed, freelancers, 1099 contractors and sole proprietors willbe able to save upwards of 30 percent on premiums if they buyhealth plans self-insured by trade associations, with networks ofdirect care doctors charging lower membership fees negotiated bythe 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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