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Future Trends in Healthcare Benefits
Healthcare benefits are changing, placing employers in a tough position. With employer-sponsored insurance covering 154 million Americans, benefits are a critical part of employee compensation. Average family premiums reached almost $27,000 in 2025, up 6% from the previous year. The challenge…
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HSA Limits: Maximizing Healthcare Savings
HSA account holders are now able to contribute more money to their HSA. The HSA contributions limits are adjusted for inflation each year, and HSA annual limits are released every April or May by the IRS. HSA Contribution Limits The…
Read MoreRising healthcare costs are a challenge for both employers and employees. In 2023 alone, total healthcare spending reached $4.9 trillion in the United States. While a fully insured health plan can offer comprehensive coverage, it doesn’t provide a means to navigate the…
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What are PCORI Fees?
Understanding PCORI Fees for Self-Insured Health Plans 2026 PCORI (Patient-Centered Outcomes Research Institute) Fees The applicable dollar amount for plan years ending on or after October 1, 2025, and before October 1, 2026, the tax is equal to $3.84. This…
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Insurance Trends 2026: A Broker’s Guide to Strategic Advantage
The insurance industry has evolved over the years. Insurance providers and brokers must know the trends and continuously adjust operations to meet the market demands and navigate the complexity of the current insurance landscape. The insurance industry is entering an era…
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What Is an ICHRA?
Every renewal season feels the same. Your broker provides new rates, premiums have increased again, and you’re left deciding whether to absorb the cost or ask employees to contribute more. But what if you could break that cycle? An Individual…
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Broker of the Month: Emily Sanchez with Gallagher Benefit Services in Houston, Texas
Gallagher Benefit Services | Houston, Texas At the Difference Card, we are proud to recognize brokers and consultants who go above and beyond to help employers solve rising healthcare costs while improving the employee experience. This month, we are excited…
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Retail Sports Entertainment Employer Saves $650,000 with the Difference Card MERP Strategy
A growing retail sports entertainment company with a global presence and locations throughout the Southwest entered their May 2026 health insurance renewal cycle facing a major financial challenge. With 240 employees enrolled in their medical plan, the organization received a…
Read MoreAt The Difference Card, we are proud to recognize brokers who lead with innovation, discipline, and a true commitment to improving healthcare outcomes. This year, we are thrilled to honor Kristen Harder of HUB International San Antonio as our 2025…
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How to Use Provider Lookup Tools to Enhance Healthcare Quality
Provider directories play a role in managing healthcare quality and cost. With reliable data, patients can confidently schedule appointments with in-network doctors, and brokers can recommend plans that truly serve their clients. In contrast, inaccurate provider directories create serious risks,…
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