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what is an affordable healthcare premium

What Is an Affordable Healthcare Premium?

June 11, 2025

Healthcare premiums represent the financial backbone of health insurance. They’re the regular payments that policyholders make to maintain coverage. Healthcare premium affordability is a significant concern among policyholders, especially considering premiums are expected to increase by 7% in 2025. For employer…

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How to Reduce Healthcare Costs without Impacting Patient Outcomes

How to Reduce Healthcare Costs Without Impacting Patient Outcomes

June 11, 2025

In 2021, 49% of adults in the United States with an income of less than $24,000 annually were “cost insecure” regarding healthcare affordability. Another 14% were considered “cost desperate.” Sixty percent of adults earning the same amount stated that healthcare costs contribute to their…

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Thumbnail for a YouTube video for new wellness videos

Empower Your Wellbeing with Our New Wellness Resources

May 29, 2025

We’re excited to announce a powerful new way for Difference Card members to take charge of their health and wellbeing! Introducing our refreshed and modern library of wellness videos — a dynamic collection of expert-led sessions designed to support your…

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What is cost containment in healthcare

What Is Cost Containment in Healthcare?

May 15, 2025

Rising medical costs are a top concern for employers, employees, and health plans. In response, cost containment in insurance steps up with programs, processes, and strategies designed to control or reduce healthcare spending without compromising care quality. Cost containment means…

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merp compliance and financial considerations

MERP Compliance and Financial Considerations

May 15, 2025

Knowing how to manage a Medical Expense Reimbursement Plan (MERP) in compliance with federal regulations is important for helping your clients maintain the financial benefits of the healthcare program. As an insurance broker, you should be up to date with…

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What Happens to your HSA if you Leave Your Job

What Happens to Your HSA if You Leave Your Job?

May 15, 2025

If you’ve been laid off or decided to leave your job, you may be wondering what will happen to your health savings account (HSA). Since you own the HSA, it’ll follow you wherever you go. This means you’ll still have your HSA, whether employed,…

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The official merp FAQ

The Official MERP FAQ

May 13, 2025

As healthcare costs rise, companies need options to help their employees afford quality care while minimizing employer expenses. Medical Expense Reimbursement Plans (MERP) are among the insurance producer’s most effective tools for creating win-win group coverage solutions, but they’re also…

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