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No 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,…
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California 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…
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Employers 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…
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What Is Gap Health Insurance Coverage?
Gap health insurance coverage helps members pay for out-of-pocket costs under a comprehensive health insurance plan, which is usually a high-deductible health plan (HDHP). It also offers a financial safety net for employees before primary coverage begins. That said, this…
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Difference Card August Broker of the Month Spotlight: Mike Petefish
Gibson Insurance & Employee Benefits | Phoenix, Arizona At The Difference Card, we take pride in recognizing exceptional broker partners who consistently deliver creative benefit strategies and measurable results for their clients. This month, we’re excited to shine the spotlight…
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New Jersey Township Saves Over $100,000 While Enhancing Health Benefits with The Difference Card
When a New Jersey township was faced with a steep 17% increase in health insurance premiums, its leadership knew immediate action was needed to protect both taxpayers and municipal employees. This public sector employer, covering 30 members through Horizon Blue…
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Difference Card July Broker of the Month Spotlight: Sal Lona
EPIC Insurance Brokers & Consultants (Los Angeles, CA) About Sal Sal Lona consistently goes above and beyond for his clients at EPIC. Known for his strategic insight and commitment to customer-first service, Sal has become a trusted advisor in LA’s…
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Creating a Unique Benefits Package for Your Clients
If you’re an insurance broker, creating a unique benefits package for your clients allows you to tailor employee benefits that meet the specific needs and goals of a company and its workforce. Instead of offering a one-size-fits-all plan, you customize benefits aligned with…
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Who Is Eligible for an Individual Coverage HRA?
In 2023, about 60% of people under 65 years old had employer-sponsored health insurance (ESI). However, even though ESI has been the largest source of health benefits for younger Americans, there is still uneven coverage that employers and brokers need to address.…
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High vs. Low Deductible Health Plans
When choosing health insurance plans to offer employees, employers need to balance sufficient healthcare with cost-efficiency. High and low deductible health plans can be beneficial if used in the right circumstances. Employers and insurance brokers can use this article as a guide…
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