A dependent care flexible spending account (DCFSA) can help reduce costs for both employees and employers when employees participate. Employees can set aside pretax dollars for eligible childcare and adult dependent care expenses, while employers may lower payroll tax exposure on participating employees’ contributions. For employers, the 2026 contribution limit changes make plan details especially […]

A health reimbursement arrangement (HRA) is an employer-funded benefit that reimburses employees for qualified healthcare expenses on a tax-free basis. As traditional group health plans become more expensive and harder to manage, many employers are looking for more flexible options. An HRA can help employers control costs while giving employees more choice in how they […]

The Difference Card is proud to recognize Ross Gunnels, Area President at HUB International, as our Broker of the Month. Ross and his team have built a strong reputation for helping Texas employers navigate an increasingly challenging employee benefits environment. As organizations continue to face rising health insurance costs, Ross and his colleagues on the […]

North Carolina Manufacturer Turns a 6% Increase into a 9% Decrease For employers facing rising healthcare costs, finding meaningful savings without sacrificing employee benefits can be a difficult balancing act. One North Carolina manufacturing company recently accomplished both with the help of Steve Marquis from the Difference Card sales team and AMWINS. The employer initially […]

Reference-based pricing is a healthcare payment strategy in which self-funded plans pay providers a predetermined amount for services, often calculated as a multiple of what Medicare would pay, rather than accepting the rates that a traditional insurance carrier negotiates. For employers, reference-based pricing in healthcare creates a more straightforward way to set plan payments and […]

Employer health insurance premiums keep climbing. In 2025, the average family premium hit $26,993, a 6% year-over-year increase. Switching to a high-deductible health plan (HDHP) seems like the logical cost-cutting move for many employers. But there’s a problem. High deductibles can feel risky, which is why employees may have concerns. Cost was the leading reason consumers delayed […]