The Difference Card is proud to recognize Ross Gunnels, Area President at HUB International, as our Broker of the Month. Ross and his team have built a strong reputation for helping Texas employers navigate an increasingly challenging employee benefits environment. As organizations continue to face rising health insurance costs, Ross and his colleagues on the […]

North Carolina Manufacturer Turns a 6% Increase into a 9% Decrease For employers facing rising healthcare costs, finding meaningful savings without sacrificing employee benefits can be a difficult balancing act. One North Carolina manufacturing company recently accomplished both with the help of Steve Marquis from the Difference Card sales team and AMWINS. The employer initially […]

Reference-based pricing is a healthcare payment strategy in which self-funded plans pay providers a predetermined amount for services, often calculated as a multiple of what Medicare would pay, rather than accepting the rates that a traditional insurance carrier negotiates. For employers, reference-based pricing in healthcare creates a more straightforward way to set plan payments and […]

Employer health insurance premiums keep climbing. In 2025, the average family premium hit $26,993, a 6% year-over-year increase. Switching to a high-deductible health plan (HDHP) seems like the logical cost-cutting move for many employers. But there’s a problem. High deductibles can feel risky, which is why employees may have concerns. Cost was the leading reason consumers delayed […]