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Creating a Unique Benefits Package for Your Clients

creating a unique benefits package
July 22, 2025

If you’re an insurance broker, creating a unique benefits package for your clients allows you to tailor employee benefits that meet the specific needs and goals of a company and its workforce. Instead of offering a one-size-fits-all plan, you customize benefits aligned with company culture, values, and budget. This might include health insurance, retirement plans, wellness programs, and […]

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Who Is Eligible for an Individual Coverage HRA?

who is eligible for an ICHRA
July 22, 2025

In 2023, about 60% of people under 65 years old had employer-sponsored health insurance (ESI). However, even though ESI has been the largest source of health benefits for younger Americans, there is still uneven coverage that employers and brokers need to address. Through an individual coverage health reimbursement arrangement (ICHRA), employers can help provide more appropriate healthcare […]

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High vs. Low Deductible Health Plans

high vs low deductible health plans
July 22, 2025

When choosing health insurance plans to offer employees, employers need to balance sufficient healthcare with cost-efficiency. High and low deductible health plans can be beneficial if used in the right circumstances. Employers and insurance brokers can use this article as a guide in determining when to choose which option. What Is a High Deductible Health Plan (HDHP)? […]

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What Are Qualifying Life Events and How Do They Affect My FSA?

can i change my fsa contribution throughout the year?
July 22, 2025

Normally, you can only enroll in or make changes to a Flexible Spending Account (FSA) during your employer’s open enrollment period. However, if you experience a qualifying life event (QLE), you may be allowed to start an FSA, change your contribution amount, or cancel your FSA. A QLE can affect the type of coverage and contribution […]

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Florida Private School Saves Over $800,000 While Enhancing Health Benefits with The Difference Card

July 15, 2025

A leading independent co-educational college preparatory middle and high school in South Florida faced a major challenge heading into its July 2025 health insurance renewal. Their incumbent carrier, Cigna, proposed a staggering 42% premium increase, which would have driven the school’s total healthcare costs to over $2.5 million—a level the school simply could not sustain. […]

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Stone Point Capital Invests in The Difference Card

July 3, 2025

Difference Card poised for accelerated growth with new strategic partner, Stone Point Capital The Difference Card announced an investment from funds managed by Stone Point Capital LLC (Stone Point), a leading private equity firm that invests in businesses within the global financial services industry. Founded in 2001, The Difference Card is a recognized leader in […]

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