If you’re looking for your next health insurance plan, you already know that there are countless options to choose from, ranging from providers to networks to coverage types. As if navigating the health insurance market wasn’t already challenging enough, companies often use confusing acronyms without providing proper explanations, such as HMO, EPO, and PPO. This […]

With fully insured healthcare plans becoming increasingly complex and expensive, many organizations are seeking alternatives that provide excellent employee coverage without incurring unnecessary expenses. Self-funding can be a solution to common problems. However, there’s a lot that brokers need to understand about how clients can benefit from a self-funded model. Many are unaware that combining […]

A health reimbursement arrangement (HRA) helps employers provide employees with healthcare benefits without compromising their bottom line. While there are different HRA types, an individual coverage HRA (ICHRA) and a qualified small employer HRA (QSEHRA) are good additions or alternatives to a traditional group health plan, and can help control a company’s healthcare costs. Both benefits offer […]

Healthcare benefits are nonnegotiable for employers who want to attract and retain qualified employees in a competitive labor market. For a long time, traditional group health insurance was the primary option employers had for providing health benefits to employees. However, rising healthcare costs and other factors have necessitated alternatives, such as the Individual Coverage Health […]

Though traditional employer-sponsored health insurance benefits can be complicated and costly, the Individual Coverage Health Reimbursement Arrangement offers a flexible alternative. It allows employers to provide personalized healthcare coverage without the limitations of traditional group plans. ICHRA adoption has steadily increased since these plans became available in 2020. Usage rose by 29% between 2023 and 2024, with […]

As healthcare costs continue to rise, employers, employees, and healthcare insurance brokers are continually seeking the best healthcare benefits solutions. In every case, this means a healthcare plan that’s cost-effective and provides the necessary coverage for employees. The Difference Card already provides that solution to many businesses, and is ready to help even more employers, employees, […]

With rising healthcare costs, small business owners are looking to provide competitive health benefits while managing tight budgets. The Individual Coverage Health Reimbursement Arrangement (ICHRA) is one innovative solution gaining popularity for its flexibility and the cost control it affords to employers. This guide lays out the pros and cons of ICHRA solutions so you […]

Offering healthcare benefits is essential in staying competitive. In 2025, 88% of employers consider them as very or extremely important. However, a significant health insurance cost increase is expected in 2026 and beyond, posing a challenge for employers and brokers alike. Employers may need to adjust their budgets without sacrificing the needs of their employees, and brokers need to […]

Gap health insurance coverage helps members pay for out-of-pocket costs under a comprehensive health insurance plan, which is usually a high-deductible health plan (HDHP). It also offers a financial safety net for employees before primary coverage begins. That said, this supplementary insurance plan has limitations. This article explains what gap insurance is, how it works, and […]