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Understanding Self-Funded Insurance Plans vs. MERP Products: Key Differences and Considerations

understanding self-funded insurance plans vs merps
April 22, 2025

Health insurance costs have been rising for years, and experts predict the trend will only continue. Many businesses are turning to other health insurance benefits, like self-funded health insurance plans and medical expense reimbursement plans (MERP)), to lower their spending. Self-funded and MERP products are both employer-sponsored health plans under Section 105 of the Internal Revenue Code (IRC). […]

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Fill Your Basket with Savings This Easter with The Difference Card

April 17, 2025

Spring is in the air, and Easter is just around the corner! As you prepare to fill your basket with treats and treasures, have you considered whether you and your clients are making the most of your savings? Just like a well-planned Easter egg hunt, discovering cost-saving strategies requires the right approach. With The Difference […]

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April Case Study: How The Difference Card Helped an Elite Producer Win a New Account by Slashing Employer Health Benefit Costs by 25%

April 8, 2025

An enterprise technology firm with over 200 employees was recently confronted with a staggering +35% renewal increase from their health insurance carrier, Medical Mutual of Ohio. This proposed rate hike would have added $800,000 to the company’s annual healthcare expenses—an increase the employer simply couldn’t absorb within their existing budget. In search of a more […]

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What are PCORI Fees?

April 8, 2025

Understanding PCORI Fees for Self-Insured Health Plans 2025 PCORI (Patient-Centered Outcomes Research Institute) Fees The applicable dollar amount for plan years ending on or after October 1, 2024, and before October 1, 2025, the tax is equal to $3.47. This is a .25 increase from the $3.22 rate in 2024. Fees are reported and paid […]

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March Case Study: The Difference Card Partners with A Human Resources (HR) Outsourcing Partner to Secure a 16% Health Plan Savings for an Education Employer.

March 12, 2025

An online continuing education provider faced a 9% renewal increase from their health insurance carrier, Aetna, for March 2025. This growing organization has 31 enrolled employees across multiple locations nationwide. The company sought an innovative solution to enhance its health benefits while simultaneously reducing costs. Additionally, they needed a comprehensive payroll and human resources management […]

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Celebrating Success: Meet Our 2024 Broker of the Year, Emily Adams

March 3, 2025

At The Difference Card, we are proud to recognize brokers who go above and beyond to help their clients navigate the complexities of healthcare while achieving significant cost savings. This year, we are thrilled to honor Emily Adams of USI Insurance Services as our 2024 Broker of the Year! Emily’s journey with The Difference Card […]

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Regulatory Compliance Services for Insurance

regulatory compliance services for insurance
February 25, 2025

Regulatory Compliance Services for Insurance With how quickly the insurance and regulatory landscape can change, it’s no wonder that insurance brokers sometimes struggle to stay compliant. If you’re in the same boat, it may be time to seek extra compliance help. One option many businesses and brokers use is insurance compliance services. Partnering with a […]

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What’s the Difference Between a MERP vs. HSA?

merps vs hsa
February 21, 2025

Health insurance is a major consideration for employees. Businesses looking to hire and retain the best talent need to offer competitive benefits to motivate their team. But how do you offer affordable healthcare without driving up your expenses? Insurance producers can provide businesses with alternative insurance packages to make it easier to offer their employees […]

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