About Us

Company Timeline

Saving client’s 18% off their health insurance since 2001!


Setting our Sights on Success

The Difference Health Plan is launched! In 2022, we launched a new self-funded solution to the market. Innovation, customization, and specialization is in the very DNA of The Difference Health Plan. Learn more about The Difference Health Plan here.

Joseph Donovan joins The Difference Card as CEO. In September, The Difference Card Team welcomed Joe Donovan back to organization to take the helm as the next Chief Executive Officer. Read Joe’s letter to our employees, members, clients, and partners here.


New Products and Partners

The Difference Card is growing again with new financial partners, Northlane Capital! By partnering with Northlane Capital Partners, The Difference Card will continue to transform the health insurance marketplace by providing benefit enhancements and cost-savings solutions. Read the press release. 

Dental Difference is introduced to the market! The Dental Difference is a new dental solution aimed at solving the problem of high fixed premiums.

The Difference Card continues to evolve with a new Monthly Cap Feature launching on July 1. The Monthly Cap Solution will provide  Difference Guarantee customers with a fixed budget approach for their monthly cash flow. This is a good fit for non-profit and other budget sensitive organizations.


The Difference Card Continues to Grow

The Difference Card recognizes 14 brokerages with Purple Producer Status and three agencies with Elite Purple Producer status.

The Difference Card reveals a new Executive Team. The company announces the roles of Chief Operating Officer, Chief Revenue Officer, Chief Risk Officer and Chief Technology Officer. Read the press release.

The Difference Card Health Savings Account product is born, delivering a single card solution for all employer pre-tax consumer-directed plans.


The Difference Guarantee is Launched

The Difference Guarantee is launched to Difference Card producers in all fifty states, limiting claim exposure for clients and providing financial protection through an A rated insurance carrier. Read the press release.


Wellintune Wellness Hits the Market

The Difference Card acquires Wellintune to enhance wellness program technology for employer groups and improve the member experience.


Gregg Lehman is named CEO

Pharos Capital Group, a healthcare-focused private equity firm, acquires Employee Benefit Solutions.

Gregg Lehman, Ph.D. is named Chief Executive Officer. Read the press release.


Healthy Difference Wellness Program is Founded

The Difference Card wellness program is launched under the Healthy Difference brand and focuses on helping employers lower their long-term healthcare costs.


The Difference Card is Born

The Difference Card is born as a solution to reduce health insurance expenses while maintaining a high level of benefits.


The Company is Founded

Employee Benefits Solutions is founded to re-invent the group health insurance marketplace for small to mid-sized employer groups.

Difference Card Highlights


Total Historical Savings = $1,253,095,993

Historical Average Savings = 18.3%

Historical Average Annual Savings = $253,355

Historical Average PEPY Savings = $2,938.77

Download The Difference Card 2022 Wrapped Stats

two women reviewing important documents

Benefits shouldn’t be complicated

We believe in empowering members. At a time when unexpected medical bills are the number one financial concern for Americans, we empower our members through the entire journey.

  • Enrollment: Onsite or virtual enrollment meetings that focus on explaining how to use health insurance benefits as a whole.
  • Before receiving care: Members can search for providers and compare quality of care, shop for cheaper prescriptions, and make better healthcare decisions.
  • Post Care: Members get reimbursed within two business days, maximizing reimbursements to employees.
two women reviewing important documents

Why Choose The Difference Card?

Healthcare is personal.

We treat our members the way we would want our families to be treated. At each interaction we strive to exceed the expectation of our members with advocacy, education, passion and empathy.

HR professionals have a lot on their hands.

We provide Client Success Teams to support our Employers and Producers. We pride ourselves on our service and accountability and it shows- we have market-leading retention rates and a top tier Net Promoter Score of 53.

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