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What Are Qualifying Life Events and How Do They Affect My FSA?
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…
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Florida Private School Saves Over $800,000 While Enhancing Health Benefits with The Difference Card
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…
Read MoreDifference 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…
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A Guide to Extended Open Enrollment
The Affordable Care Act (ACA) requires employers with over 50 employees to provide specific healthcare benefits, although smaller employers may also do so. Employees can opt for these benefits during open enrollment. There is a set schedule at the federal level. However,…
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What to Do if I Miss Open Enrollment?
If you miss the open enrollment period for your health benefits, your existing coverage may simply be renewed. This is the case whether you’re insured through an individual plan or your employer. However, without an existing plan, you’ll have to wait until…
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What’s the Difference Between an ICHRA and a MERP?
Insurance brokers are essential in helping employer clients navigate the complex world of health insurance benefits. Employers will want to offer competitive benefits that attract and retain top talent while benefiting the business. Understanding the nuanced difference between a Medical…
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HDHP vs. PPO
Employers usually offer a high deductible health plan (HDHP) or a preferred provider organization (PPO) as one of their healthcare benefits. Each has its pros and cons. However, offering both can ensure employees choose what fits their needs best, without having to…
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June Spotlight of the Month: Celebrating Difference Card Broker Partner, Tony Mahon
Meet Tony Mahon – Executive Vice President, National Public Entity Practice Leader Tony Mahon currently serves as Executive Vice President at Marsh McLennan Agency (MMA), the U.S.-based subsidiary of global insurance brokerage Marsh. Tony sits on the MMA sales leadership…
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What Is an Affordable Healthcare Premium?
Healthcare premiums represent the financial backbone of health insurance. They’re the regular payments that policyholders make to maintain coverage. Healthcare premium affordability is a significant concern among policyholders, especially considering premiums are expected to increase by 7% in 2025. For employer…
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How to Reduce Healthcare Costs Without Impacting Patient Outcomes
In 2021, 49% of adults in the United States with an income of less than $24,000 annually were “cost insecure” regarding healthcare affordability. Another 14% were considered “cost desperate.” Sixty percent of adults earning the same amount stated that healthcare costs contribute to their…
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