Broker of the Month: Celebrating Mike Carraway of Acentria, a Foundation Risk Partner
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The Difference Card is proud to recognize Mike Carraway of Acentria, a Foundation Risk Partner, as our Broker of the Month for his outstanding leadership, client advocacy, and dedication to driving innovative healthcare cost-saving strategies. Mike’s ability to bring creative solutions to complex benefits challenges has made a meaningful impact for his clients—delivering measurable results that directly support their long-term financial and organizational health.
Driving Impact Through Strategic Health Plan Innovation
In one of his most notable recent successes, Mike partnered with a Florida municipality seeking relief from rising health insurance costs. Facing significant premium increases and limited plan flexibility, the city was searching for a solution that would control spending while still offering competitive benefits to its employees.
Mike identified the Difference Card as a powerful tool to achieve those goals and collaborated closely with Oldemar Da Silva from the Difference Card sales team to design a tailored MERP strategy aligned with the city’s budget and employee needs.
Achieving Over 20% Savings - More Than $400,000 Returned to the City
Through smart plan restructuring and precise claim modeling, Mike and Oldemar implemented a Difference Card solution that ultimately delivered over 20% in health insurance savings, generating more than $400,000 in annual cost reductions for the municipality.
This dramatic improvement not only eased the city’s budget challenges but also preserved a rich benefits package for its employees—demonstrating the strong value of pairing innovative plan design with expert broker guidance.
A True Partner in Healthcare Cost Containment
Mike’s success reflects a broader pattern of excellence. He consistently seeks out forward-thinking strategies that help employers control costs without compromising employee experience. His dedication to delivering measurable savings, combined with his willingness to challenge traditional approaches, makes him an invaluable partner to the clients he serves
Leading with Innovation and Client Advocacy
Mike Carraway continues to set the standard for what exceptional benefits consulting looks like. His willingness to adopt innovative solutions, paired with his deep understanding of the health insurance landscape, has made him a vital partner in helping employers control costs without sacrificing the quality of employee benefits.
We are honored to collaborate with Mike and celebrate his outstanding work.
Congratulations, Mike Carraway - our Difference Card Broker of the Month!
About The Difference Card
The Difference Card helps employers across all industries deliver better benefits at a lower cost. Our clients average 18% annual savings on healthcare—often while improving the employee experience. With a proven, multi-year strategy and tailored plan designs, The Difference Card is a trusted partner for brokers and employers seeking smarter solutions to rising healthcare costs.
Curious how much you could save? Request a proposal here.
