Difference Card Broker of the Month: Victoria Young
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HUB International Mid-America | Tulsa, Oklahoma
At The Difference Card, we are proud to partner with forward-thinking consultants who are deeply committed to delivering measurable healthcare cost containment strategies for their clients. This month, we are excited to spotlight Victoria Young and her team at the HUB International Tulsa, Oklahoma office as our Broker of the Month.
Victoria and the HUB team exemplifies the type of innovative benefits advisor who understands that rising healthcare costs demand more than incremental plan changes, they require strategic funding solutions that protect both the employer’s budget and employees’ access to quality care.
A Strategic Approach to Healthcare Cost Containment
Based in Tulsa, Vicki serves a diverse client base across Oklahoma and the surrounding region. She has built a reputation for being consultative, analytical, and proactive in addressing one of the most pressing challenges employers face today: unpredictable and unsustainable health insurance renewals.
Rather than defaulting to high-deductible increases, contribution shifts, or disruptive carrier changes, Vicki takes a long-term strategic view. Empowered by her team, Vicki is able to carefully evaluate funding alternatives that allow employers to:
- Maintain strong carrier networks
- Avoid major plan disruption
- Improve budget predictability
- Deliver meaningful healthcare cost containment
That strategic mindset recently led to two major wins using The Difference Card’s Medical Expense Reimbursement Plan (MERP) Monthly Budget solution.
Leveraging the MERP Monthly Budget Solution
In recent months, Victoria and her team at HUB worked with two employer groups facing difficult renewal environments. Both organizations were looking for:
- Predictable monthly healthcare budgeting
- Protection against large renewal spikes
- A way to preserve competitive benefits without shifting costs to employees
Victoria partnered closely with Cassidy Lutosky Meyer from The Difference Card sales team to design and implement a customized Medical Expense Reimbursement Plan (MERP) strategy structured around a fixed monthly employer budget.
Together, they built a solution that:
✔ Offset deductible and out-of-pocket exposure through a MERP
✔ Created stable, level monthly employer funding
✔ Preserved access to strong carrier networks
✔ Delivered immediate and long-term healthcare cost containment
The result? Two employers were able to move forward with confidence, knowing their health plan funding was controlled, predictable, and aligned with their financial objectives.
The Power of Partnership
Victoria’s collaboration with Cassidy Lutosky Meyer reflects the kind of broker-carrier partnership that drives real outcomes. Through detailed plan modeling, contribution analysis, and employee impact forecasting, the team ensured that both clients clearly understood the financial mechanics and employee experience of the solution.
This consultative process helped leadership teams feel confident in implementing a MERP strategy that not only reduced volatility but enhanced their overall benefits strategy.
Why Victoria and the HUB Team Stands Out
What makes Victoria such a valuable partner to her clients and to The Difference Card?
- She leads with education and transparency
- She focuses on sustainable healthcare cost containment
- She evaluates funding strategy, not just premium quotes
- She embraces innovative tools like the MERP Monthly Budget solution
- She prioritizes long-term employer success
In a market where many employers feel trapped by annual double-digit renewals, Victoria provides clarity, structure, and strategy.
Driving Results in Oklahoma and Beyond
Victoria Young’s work at HUB International Tulsa demonstrates how the right funding approach, combined with strong collaboration, can transform an employer’s healthcare outlook.
By utilizing The Difference Card’s MERP Monthly Budget solution with two recent clients and partnering closely with Cassidy Lutosky Meyer, Victoria helped deliver budget stability, preserved benefits, and positioned both organizations for sustainable long-term success.
We are proud to recognize Victoria Young as this month’s Difference Card Broker of the Month and look forward to continued partnership and growth together.
About The Difference Card
The Difference Card helps employers across all industries deliver better benefits at a lower cost. Our clients average 18% annual savings on healthcare, often while improving the employee experience. With a proven, multi-year strategy and tailored plan designs, The Difference Card is a trusted partner for brokers and employers seeking smarter solutions to rising healthcare costs.
Curious how much you could save? Request a proposal here.
