Are ICHRA Plans Good for Small Businesses?
With rising healthcare costs, small business owners are looking to provide competitive health benefits while managing tight budgets. The Individual Coverage Health Reimbursement Arrangement (ICHRA) is one innovative solution gaining popularity for its flexibility and the cost control it affords to employers. This guide lays out the pros and cons of ICHRA solutions so you […]
Read MoreWhat Is a High-Deductible Health Plan (HDHP)?
Understanding the meaning of an HDHP lets you pitch the right plans to your clients. As a plan regulated by the Affordable Care Act (ACA), an HDHP has limits that can influence an employer’s decision. The plan offers benefits, such as lower monthly premiums and full coverage for preventive services. It also works with tax-advantaged accounts, like […]
Read MoreDifference Card September Broker of the Month Spotlight: Nyle Mohler
USI Insurance Services – Employee Benefits Ohio Team At The Difference Card, we’re proud to celebrate our broker partners who consistently deliver innovative benefit solutions and exceptional value for their clients. This month, we’re excited to recognize Nyle Mohler of USI Insurance Services – Ohio team as our September Broker of the Month! About Nyle […]
Read MoreNo Tricks, Just Treats: Proven Savings for Every Industry
No Tricks, Just Treats: Proven Savings for Every Industry Is your organization haunted by double-digit health insurance increases? Are you tired of the yearly nightmare of cutting employee benefits to keep up with rising healthcare costs? At The Difference Card, we’re here to offer a sweeter alternative. We help employer groups save big on healthcare […]
Read MoreCalifornia Construction Company Enhances Health Benefits While Reducing Fixed Insurance Costs by 28%
When faced with an 8% health insurance rate increase for their September 1st renewal, a Northern California construction and landscape management company turned to their insurance consultant for a creative solution. The proposed increase would have raised their fixed health insurance costs to more than $1.3 million—well above budget. At the same time, employees were […]
Read MoreEmployers Brace for the Largest Health Insurance Increase in 15 Years
Offering healthcare benefits is essential in staying competitive. In 2025, 88% of employers consider them as very or extremely important. However, a significant health insurance cost increase is expected in 2026 and beyond, posing a challenge for employers and brokers alike. Employers may need to adjust their budgets without sacrificing the needs of their employees, and brokers need to […]
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