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Difference Card July Broker of the Month Spotlight: Sal Lona
EPIC Insurance Brokers & Consultants (Los Angeles, CA) About Sal Sal Lona consistently goes above and beyond for his clients at EPIC. Known for his strategic insight and commitment to customer-first service, Sal has become a trusted advisor in LA’s…
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Creating a Unique Benefits Package for Your Clients
If you’re an insurance broker, creating a unique benefits package for your clients allows you to tailor employee benefits that meet the specific needs and goals of a company and its workforce. Instead of offering a one-size-fits-all plan, you customize benefits aligned with…
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Who Is Eligible for an Individual Coverage HRA?
In 2023, about 60% of people under 65 years old had employer-sponsored health insurance (ESI). However, even though ESI has been the largest source of health benefits for younger Americans, there is still uneven coverage that employers and brokers need to address.…
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High vs. Low Deductible Health Plans
When choosing health insurance plans to offer employees, employers need to balance sufficient healthcare with cost-efficiency. High and low deductible health plans can be beneficial if used in the right circumstances. Employers and insurance brokers can use this article as a guide…
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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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