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Broker of the Month: Ross Gunnels of HUB International
The Difference Card is proud to recognize Ross Gunnels, Area President at HUB International, as our Broker of the Month. Ross and his team have built a strong reputation for helping Texas employers navigate an increasingly challenging employee benefits environment.…
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North Carolina Manufacturer Cuts Health Insurance Costs by 15% with the Difference Card
North Carolina Manufacturer Turns a 6% Increase into a 9% Decrease For employers facing rising healthcare costs, finding meaningful savings without sacrificing employee benefits can be a difficult balancing act. One North Carolina manufacturing company recently accomplished both with the…
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What Is Reference-Based Pricing in Healthcare?
Reference-based pricing is a healthcare payment strategy in which self-funded plans pay providers a predetermined amount for services, often calculated as a multiple of what Medicare would pay, rather than accepting the rates that a traditional insurance carrier negotiates. For…
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How to Stack an HSA and MERP for Maximum Employer Savings
Employer health insurance premiums keep climbing. In 2025, the average family premium hit $26,993, a 6% year-over-year increase. Switching to a high-deductible health plan (HDHP) seems like the logical cost-cutting move for many employers. But there’s a problem. High deductibles can…
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What Are Your Benefits Really Worth?
Knowing what your benefits are really worth is an important advantage when you are interviewing for a new position, starting a new job, or even if you have been loyal to your company for a long time. Many employers offer…
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Connecticut Town Saves $600,000 While Protecting Employee Benefits with the Difference Card
Municipal Employer in Connecticut Achieves 15% Guaranteed Healthcare Savings Through an Innovative MERP Strategy Public sector employers across the country continue to face unprecedented healthcare cost pressures, often forcing difficult decisions between increasing taxes, reducing employee benefits, or absorbing unsustainable…
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HRA vs. FSA
HRA vs. FSA What’s the difference between a Health Reimbursement Arrangement (HRA), sometimes called a health reimbursement account, and a Healthcare Flexible Spending Account (FSA)? Whether you’re an employee comparing benefit options or an HR manager evaluating plans for your workforce, that’s…
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FSA Use-It-or-Lose-It Rule: Carryover, Grace Period, and What to Know
As your plan year wraps up, you might be thinking about the money sitting in your flexible spending account (FSA). If you haven’t spent it all, will you lose it? It’s a common concern. Many FSA holders are familiar with the use-it-or-lose-it…
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How Offering an HSA Reduces Your FICA Tax Liability
Healthcare costs generally rise faster than inflation. In 2024, the average family premium reached $25,572, up 7% from the previous year. For small and midsize employers with tight budgets, savings on benefits create breathing room without sacrificing employee coverage. One effective…
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The Difference Card Acquires HealthCorum
Expanding Its Healthcare Data and Navigation Capabilities Greenwich, CT – The Difference Card, a leading provider of cost‑effective health insurance solutions, announced today that it has acquired HealthCorum, a healthcare data analytics company known for its provider quality scores, insights, and navigation technology…
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