Decent (YC F26) — Your health plan should get better year-round. not just once a year
Decent is an AI-native health insurance brokerage. We quote every available option, like Kayak for health plans, and then monitor and act on claims data continuously to make your plan better and cheaper year-round.
Decent is a Y Combinator company in the Fall 2026 batch. Its directory entry describes it as: Your health plan should get better year-round. Not just once a year. The founders listed are Nick Soman (Founder/CEO), Andrew Budker (Founder/CTO) (Y Combinator directory entry, September 21, 2026).
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Example from a real report (our sample on Target): “The Q2 2026 earnings report, published August 19, 2026, showed adjusted EPS of $2.46 against an expected $2.33” Source: CNBC
Decent is an AI-native health insurance brokerage. We quote every available option, like Kayak for health plans, and then monitor and act on claims data continuously to make your plan better and cheaper year-round.
Checked away from the directory entry. What is below does not come from the company's Y Combinator page.
Decent | Health insurance costs too much. We priced the other 508.
Send us what you already sent your broker. We price every available option, including the ones you don
The title and description the site itself served, answering 200. Not a cached copy and not the company's directory entry — what was live when we asked.
Nick Soman
Founder/CEO
Founder at Decent. Previously founded Decent, Inc., a venture-backed health plan administrator (acquired by Nice Healthcare). EIR at Foundation Capital. Growth Product Lead at Gusto. PM on Kindle at Amazon. Founded LikeBright/Reveal (acquired by Napster). Stanford BA, Harvard MBA.
Andrew Budker
Founder/CTO
Founder at Decent. Previously Director of Software Engineering at Meta, where he led Metamate (Meta's internal AI assistant and Agent Platform) and built deep learning computer vision systems shipping in Oculus. Before Meta, engineering manager at Amazon for 5 years and engineer at Microsoft. BS Applied Mathematics from UCLA.
Founders, titles and bios as the company published them. Photographs are our own copies of the ones on that record, so they do not break when the original link expires.
One of 72 companies held here in Fintech › Insurance.
No investor is drawn from a Form D — the form states how many invested and never who. The one investor on this graph is named because a batch has exactly one.
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Example from a real report (our sample on Target): “The Q2 2026 earnings report, published August 19, 2026, showed adjusted EPS of $2.46 against an expected $2.33” Source: CNBC
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What the Full Report on Decent covers
The Short Answer
Which Company This Is
What They Do, And How The Money Works
Who Runs It, And How To Reach Them
The Money: Funding, Valuation, Runway
Who Pays Them, And Who They Are Up Against
Warning Bells
Sources
7 cited sources found
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Decent (YC F26) — Your health plan should get better year-round. not just once a year. MentionFox, 2026-10-29. https://mentionfox.com/funding/yc-decent-com
