In recent years, the health insurance landscape has undergone a significant transformation, with customization emerging as a key differentiator for successful insurance brokers. The growing complexity of healthcare needs, rising costs and evolving employee expectations have created a demand for more personalized health insurance solutions. This comprehensive guide explores how to tailor solutions and products to […]

We’re excited to recognize Jake Burns from USI Insurance Services as our Difference Card Broker Partner of the Month for October 2024! As the Practice Leader at USI’s Los Angeles office, Jake has been an influential leader in the employee benefits industry for over 15 years, consistently delivering innovative and cost-effective solutions to his clients. […]

A car dealership company located in the suburbs of Los Angeles, Southern California, was facing rising healthcare costs for its employees. With over 250 employees and 229 of them enrolled in its health plan, the dealership was seeking a way to reduce its $2 million annual health insurance expenditure. At the time, the company was […]

Healthcare in the USA is becoming increasingly costly and complex for employers, employees and insurance companies. According to a 2023 report by KFF, the average annual premium for employer-sponsored family health coverage reached $23,968, marking a 7% increase from the previous year. As healthcare expenses continue rising, finding comprehensive cost-containment strategies has become increasingly crucial […]

Ever wish you had a crystal ball to make important decisions, like choosing the right doctor for your care? While we may not have a literal crystal ball, at The Difference Card, we’re predicting that by 2025, healthcare choices will be clearer than ever before. This month on Cup of Joe, we explore how your […]

We are thrilled to announce Brandon Adamson and Melissa Miller from USI Insurance Services as the Difference Card Broker Partners of the Month for September 2024! Brandon serves as Vice President and Partner at USI’s Indiana office, located in Terre Haute, and has been a leader in the employee benefits industry for over 15 years. […]

This country club employer is located in South Florida with 73 employees enrolled in their health plan. This company was spending over $760,000 on their health insurance plan and was faced with a 9% renewal. This rate change from Florida Blue would have increased their healthcare spend to over $830,000. The organization turned to their […]

Health insurance can be a significant expense for small businesses, but employers don’t have to forego this competitive employee benefit to save costs. Instead, they can use a medical expense reimbursement plan to bridge the gap between offering nothing or a full-fledged health care plan. MERPs also bring other advantages besides helping employers afford to […]

This clinical research organization, located in the upstate region of New York state, was spending close to $1 Million on their health insurance plan. The company was looking for healthcare savings, without reducing their employee benefits offering. A competitive bid was conducted with several consulting firms vying for their business. The middle market brokerage team […]