Difference Card October Broker of the Month Spotlight: Kristen Harder, HUB International

Amy Calderon

Senior Sales Consultant

With over 13 years of experience in the employee benefits space, Amy supports Brokers throughout the Central, South & West Texas regions. She’s committed to being a reliable, knowledgeable resource for brokers who are looking to drive results and provide long-term value for their clients. Amy enjoys helping employers provide better benefits at a better price. Amy finds joy in working at The Difference Card because it provides continuous opportunities to help employers save money on their healthcare spend while providing better benefits for the members.

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At The Difference Card, we take pride in partnering with forward-thinking brokers who deliver exceptional value and creative benefit solutions to their clients. This month, we are excited to recognize Kristen Harder from HUB International in San Antonio, Texas, as our Broker of the Month!

Kristen has been a trusted advisor to her clients across the public and private sectors, consistently bringing innovative strategies to the table to help employers manage healthcare costs while improving the employee experience.

💡 A Winning Collaboration with The Difference Card Team

Recently, Kristen partnered closely with Amy Calderon, a Senior Sales Consultant from The Difference Card Texas team, to support a municipal client seeking a more streamlined and employee-friendly benefits administration experience.

This public-sector client was looking for a partner who could simplify and integrate multiple benefit programs - including Health Reimbursement Arrangements (HRA), Flexible Spending Accounts (FSA), and COBRA administration - under one coordinated solution.

Together, Kristen and Amy crafted a customized strategy that provided the client with:

• Seamless administration across all pre-tax benefit programs, reducing employer burden.
• Improved employee engagement through user-friendly tools and communication.
• An online reporting system, creating efficiency and transparency for the HR team.

The result? A smoother benefits experience for employees and a simplified administrative process for the employer - exactly the kind of impact The Difference Card partnership is designed to deliver.

👏 Celebrating Partnership and Dedication

Kristen’s dedication to client service and her collaborative approach with The Difference Card team exemplify what makes our broker partnerships so successful. By combining her deep understanding of municipal client needs with Amy’s expertise in Difference Card programs, they delivered measurable value and strengthened long-term client satisfaction.

“Kristen is a true professional who always puts her clients first,” said Amy Calderon, Difference Card Texas Sales Consultant. “Her strategic mindset and commitment to finding the right solutions make her an incredible partner. It’s a privilege to work alongside her.”

🎉 Congratulations, Kristen!

We’re proud to recognize Kristen Harder of HUB International as our October Broker of the Month. Thank you for your partnership, your professionalism, and your shared commitment to making a real Difference in the lives of your clients and their employees.

About The Difference Card

The Difference Card helps employers across all industries deliver better benefits at a lower cost. Our clients average 18% annual savings on healthcare - often while improving the employee experience. With a proven, multi-year strategy and tailored plan designs, The Difference Card is a trusted partner for brokers and employers seeking smarter solutions to rising healthcare costs.

Curious how much you could save? Request a proposal here.