Broker of the Month: Kevin Garrett
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HUB International Inland Empire | Riverside, California
Broker of the Month: Kevin Garrett of HUB International Delivers Strategic Savings for Inland Empire Education Employer
At The Difference Card, we are proud to recognize standout broker partners who consistently deliver innovative solutions and meaningful results for their clients. This month, we are excited to spotlight Kevin Garrett, Market Leader for the Inland Empire at HUB International, for his leadership, deep industry expertise, and continued success in helping employers take control of rising healthcare costs.
A Proven Leader in the Employer Health Benefits Space
Kevin Garrett brings extensive experience in the employer health insurance and employee benefits industry, with a career dedicated to advising mid-sized and large organizations on how to better manage their healthcare spend, while enhancing the value of their benefit programs.
Over the years, Kevin has worked across multiple segments of the benefits landscape, including fully insured, level-funded, and self-funded plan strategies, giving him a well-rounded perspective on how to structure plans that align with each employer’s financial and workforce goals. His expertise spans:
- Strategic plan design and cost-containment initiatives
- Carrier negotiations and market evaluations
- Alternative funding strategies and risk management
- Employee engagement and benefits education
- Long-term healthcare budgeting and forecasting
As Market Leader for the Inland Empire region, Kevin plays a critical role at HUB International by not only advising clients directly, but also mentoring consulting teams, driving regional growth, and ensuring consistent delivery of high-quality service and innovative solutions.
His consultative approach has made him a trusted advisor to employers across industries, including education, non-profit employers, and large private organizations many of whom face complex regulatory environments and tight budget constraints.
A Powerful Partnership with The Difference Card
In a recent engagement, Kevin partnered with Chris Frascarelli from The Difference Card’s Southern California sales team to support a large education-sector employer facing significant healthcare cost pressures.
This employer needed a solution that would reduce spend without disrupting employee access to care or shifting additional costs onto their workforce, a common challenge in today’s environment.
Recognizing the opportunity, Kevin collaborated with Chris to introduce The Difference Card’s Medical Expense Reimbursement Plan (MERP) strategy as a core component of the solution.
Delivering Long-Term Value Through Innovation
Kevin Garrett’s success is rooted in his ability to blend deep industry knowledge with forward-thinking strategies. Rather than relying on traditional approaches, he consistently looks for opportunities to introduce solutions, like MERP, that challenge conventional benefit structures and deliver better financial outcomes.
His partnership with Chris Frascarelli and The Difference Card is a strong example of how collaboration, creativity, and expertise can come together to solve even the most complex healthcare challenges.
Recognizing Excellence
Kevin’s leadership, experience, and commitment to client success make him a standout partner in the benefits space. His work continues to have a meaningful impact on employers navigating today’s rapidly evolving healthcare landscape.
Congratulations to Kevin Garrett on being named our Broker of the Month. We are proud to partner with you and look forward to continued success together!
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.
