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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…
Read MoreAs 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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Broker of the Month: Joanna Antongiovanni at Higginbotham
Building Better Outcomes Through Partnership At The Difference Card, we recognize the brokers and consultants who go above and beyond to help employers control healthcare costs while improving the employee experience. This month, we are proud to recognize Joanna Antongiovanni…
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A Guide to MERP Options and Their Tax Benefits and Advantages
Tax Benefits of a MERP Employer-sponsored healthcare costs increase year after year, putting pressure on businesses of every size. Many employers want to offer competitive health benefits without taking on steadily rising costs, and a Medical Expense Reimbursement Plan (MERP) offers just…
Read MoreHealthcare costs continue to rise, with the average annual premiums for employer-sponsored family health coverage up by 6% in 2025 compared to 2024. As a result, employers face growing pressure to offer meaningful benefits without stretching already tight budgets. Employees also…
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Integrating Provider Lookup Tools With Health Insurance Plans
When members search for a doctor, they rely on provider directories to find in-network clinicians and avoid surprise bills. But what happens when those directories are riddled with inaccuracies? In Pennsylvania, 44.8% of provider listings contain at least one inaccuracy, and only…
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