The insurance industry has evolved over the years. Insurance providers and brokers must know the trends and continuously adjust operations to meet the market demands and navigate the complexity of the current insurance landscape. The insurance industry is entering an era of considerable uncertainty, shaped by economic volatility, broker consolidation, and disruptive technology. These trends are […]

Every renewal season feels the same. Your broker provides new rates, premiums have increased again, and you’re left deciding whether to absorb the cost or ask employees to contribute more. But what if you could break that cycle? An Individual Coverage Health Reimbursement Arrangement (ICHRA) is an alternative to traditional health insurance options. Instead of […]

Gallagher Benefit Services | Houston, Texas At the Difference Card, we are proud to recognize brokers and consultants who go above and beyond to help employers solve rising healthcare costs while improving the employee experience. This month, we are excited to spotlight Gallagher Benefit Services consultant Emily Sanchez from the firm’s Houston, Texas office for […]

A growing retail sports entertainment company with a global presence and locations throughout the Southwest entered their May 2026 health insurance renewal cycle facing a major financial challenge. With 240 employees enrolled in their medical plan, the organization received a difficult Blue Cross Blue Shield renewal increase of 39% from their incumbent broker with little […]

Provider directories play a role in managing healthcare quality and cost. With reliable data, patients can confidently schedule appointments with in-network doctors, and brokers can recommend plans that truly serve their clients. In contrast, inaccurate provider directories create serious risks, impeding a patient’s ability to get care. Data from the California Department of Managed Health […]

Rising healthcare costs are a concern for both employers and employees. As brokers, your offerings impact whether a company can optimize its budget and whether an employee can opt for affordable care. A medical expense reimbursement plan (MERP) is a flexible solution that can enable both scenarios. You only need to explain how MERP works and […]

In the U.S., healthcare costs are rising faster than inflation, with health spending reaching $4.9 trillion in 2022 alone. Small business owners experience climbing premiums, while employees struggle with out-of-pocket costs. Failing to navigate complex tax laws correctly can lead to missing significant savings. The Internal Revenue Code’s (IRC) Section 105 offers a good solution. Different plan structures […]

Healthcare costs continue to climb. These price jumps put pressure on you, as an employer, to make difficult decisions about your benefits strategy. The traditional approach has been straightforward, with group health insurance with fixed premiums and standardized coverage being the norm. As costs rise, more organizations are exploring cost-saving strategies such as high-deductible health […]

As health insurance premiums rise, you’re likely seeking options that offer substantial cost savings without reducing employee benefits. In 2025, the average annual health insurance premium was $9,325 for single coverage and $26,993 for family coverage, according to the KFF 2025 Employer Health Benefits Survey. This cost increases annually. While it’s a perk that enhances your competitive edge […]