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Why You Should Leverage a MERP for Your Clients
Rising healthcare costs are a concern for both employers and employees. As brokers, your offerings impact whether a company can optimize its budget and whether an employee can opt for affordable care. A medical expense reimbursement plan (MERP) is a flexible…
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How Section 105 Medical Reimbursement Plans Save on Taxes
In the U.S., healthcare costs are rising faster than inflation, with health spending reaching $4.9 trillion in 2022 alone. Small business owners experience climbing premiums, while employees struggle with out-of-pocket costs. Failing to navigate complex tax laws correctly can lead to missing significant…
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MERP vs. Traditional Health Insurance
Healthcare costs continue to climb. These price jumps put pressure on you, as an employer, to make difficult decisions about your benefits strategy. The traditional approach has been straightforward, with group health insurance with fixed premiums and standardized coverage being…
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How Section 125 Plans Work
As health insurance premiums rise, you’re likely seeking options that offer substantial cost savings without reducing employee benefits. In 2025, the average annual health insurance premium was $9,325 for single coverage and $26,993 for family coverage, according to the KFF 2025 Employer Health…
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What Is Healthcare Price Transparency and What It Means for You
Healthcare is essential, but with rising medical service prices and hidden costs that land you in unexpected debt, it feels more like a luxury than a necessity. Most people avoid a visit to the doctor’s office or hospital because of…
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Broker of the Month: Kevin Garrett with HUB International Inland Empire in Riverside, California
HUB International Inland Empire | Riverside, California Broker of the Month: Kevin Garrett of HUB International Delivers Strategic Savings for Inland Empire Education Employer At The Difference Card, we are proud to recognize standout broker partners who consistently deliver innovative…
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Texas Real Estate Firm Achieves $230,000 in Guaranteed Savings While Enhancing Benefits with The Difference Card MERP Solution
A Texas-based real estate technology company with more than 200 employees faced a significant challenge heading into their 2026 health insurance renewal. Their projected costs were set to exceed $3.1 million, driven by rising premiums and ongoing market pressure. As…
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The Difference Card Appoints Heather Crovo as Vice President of Human Resources
Greenwich, CT – The Difference Card, a leader in innovative healthcare cost containment solutions, announced the appointment of Heather Crovo to its Executive Team as Vice President of Human Resources, strengthening the company’s leadership bench at a pivotal time of…
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What Is a Hybrid Approach for HDHPs?
Healthcare costs are rising steadily. Employers are projected to see a 10% cost increase for 2026, with average annual family premiums reaching $26,993. For business leaders, this creates an impossible choice. Cut costs and risk losing talent, or maintain benefits and erode profit…
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The Evolution of Patient-Centered Healthcare — What It Means for You
Working through a confusing system of insurance forms, limited appointment times, and one-way conversations with providers leaves many people feeling like passive passengers in their health decisions. This traditional model is impersonal, inflexible, and often frustrating for everyone involved. However,…
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