Healthcare pricing has long been a source of frustration for employees and their families. For decades, the true cost of medical services remained hidden behind layers of negotiation, complex billing systems, and opaque insurance processes. Patients often received care without knowing what they would owe until bills arrived weeks or months later. This lack of […]

You’re sitting across from a CFO in the final renewal meeting. You’ve done the legwork, presented competitive rates, and answered the standard questions. Then they ask, “The network looks fine on paper, but how do we know these are good doctors?” It’s a fair question, and one that more clients are asking. You can answer […]

Private School Reduces Healthcare Costs While Maintaining Benefits and Budget Certainty A respected private school in New England, with over 100 teachers on staff, was facing a familiar challenge confronting educational institutions across the country: rising healthcare costs that threatened to place additional strain on the organization’s operating budget. Committed to providing competitive benefits that […]

Marsh McLennan Agency | Dallas, Texas At The Difference Card, we are proud to recognize benefits professionals who consistently deliver innovative solutions and exceptional results for their clients. This month, we are pleased to spotlight Brian Borovay, a respected employee benefits consultant and Executive Vice President with Marsh McLennan Agency in Dallas, Texas. Brian has […]

Healthcare benefits are changing, placing employers in a tough position. With employer-sponsored insurance covering 154 million Americans, benefits are a critical part of employee compensation. Average family premiums reached almost $27,000 in 2025, up 6% from the previous year. The challenge as an employer? Keeping costs down while staying competitive. The projected medical cost trend is expected […]

HSA account holders are now able to contribute more money to their HSA. The HSA contributions limits are adjusted for inflation each year, and HSA annual limits are released every April or May by the IRS. HSA Contribution Limits The HSA contribution limits for 2027 have been adjusted to reflect the cost of living changes. […]