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The Broker’s Four-Part Framework for a Winning Health Insurance Strategy
A good health insurance plan can provide important assistance to your clients, but there are countless options available for businesses. What can you do to ensure you offer a personalized and impactful service that provides effective coverage and helps clients…
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A Guide to ICHRA Rules and Regulations
Though traditional employer-sponsored health insurance benefits can be complicated and costly, the Individual Coverage Health Reimbursement Arrangement offers a flexible alternative. It allows employers to provide personalized healthcare coverage without the limitations of traditional group plans. ICHRA adoption has steadily…
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Chicago Technology Consulting Firm Reduces Healthcare Costs by Over $350,000 with The Difference Card Solution
A leading information technology and cybersecurity consulting firm in the greater Chicagoland area faced a major challenge this November when Blue Cross and Blue Shield of Illinois delivered a +25% health insurance renewal increase. With more than 130 employees enrolled…
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Why Are Healthcare Costs Rising?
The rising cost of healthcare in the U.S. creates challenges for employers and the producers who guide them. Higher premiums, increased prescription prices, and shifting plan designs leave many business leaders asking the same question — why is this happening?…
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The Difference Card Appoints New Board Member, Bill Golden
Greenwich, CT – EB Employee Solutions LLC (dba The Difference Card) in partnership with funds managed by Stone Point Capital LLC (Stone Point) announced today that Bill Golden, former Chief Executive Officer of UnitedHealthcare Employer and Individual business, will join…
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Difference Card October Broker of the Month Spotlight: Kristen Harder, HUB International
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…
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2026 FSA Contribution Limits Announced
The IRS announced the new limits on October 9, 2025. Highlights of changes coming in 2026: FSA Contributions: Contributions to a healthcare flexible spending account have increased $100 to $3,400 – up from $3,300 in 2025. FSA Carryover Amount: If…
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Private Seattle School Fights Back Against +37% Blue Cross Renewal Using The Difference Card
A private K–12 school in Seattle, Washington, was faced with a major health insurance challenge when Premera Blue Cross delivered a +37% renewal increase for their October plan year. With over 150 teachers and educational staff, the school’s annual health…
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How Does The Difference Card Work?
As healthcare costs continue to rise, employers, employees, and healthcare insurance brokers are continually seeking the best healthcare benefits solutions. In every case, this means a healthcare plan that’s cost-effective and provides the necessary coverage for employees. The Difference Card already…
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What Is a Medical Expense Reimbursement Plan (MERP)?
In 2024, the average annual premiums for employer-sponsored health insurance cost $8,951 for single coverage, a 6% rise from the previous year. For family coverage, this figure was $25,572, 7% higher than the previous year. This trend of rising medical costs…
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