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How Transparency in Healthcare Pricing Can Affect Patient Choices
Healthcare pricing has long been a source of frustration for employees and their families. For decades, the true cost of medical services remained hidden behind layers of negotiation, complex billing systems, and opaque insurance processes. Patients often received care without…
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A Broker’s Guide to Helping Clients Understand Provider Search Tools
You’re sitting across from a CFO in the final renewal meeting. You’ve done the legwork, presented competitive rates, and answered the standard questions. Then they ask, “The network looks fine on paper, but how do we know these are good…
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New England Private School Achieves $273,000 in Guaranteed Annual Savings with the Difference Card MERP Solution.
Private School Reduces Healthcare Costs While Maintaining Benefits and Budget Certainty A respected private school in New England, with over 100 teachers on staff, was facing a familiar challenge confronting educational institutions across the country: rising healthcare costs that threatened…
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Broker of the Month: Brian Borovay with Marsh McLennan Agency in Dallas, Texas
Marsh McLennan Agency | Dallas, Texas At The Difference Card, we are proud to recognize benefits professionals who consistently deliver innovative solutions and exceptional results for their clients. This month, we are pleased to spotlight Brian Borovay, a respected employee…
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Future Trends in Healthcare Benefits
Healthcare benefits are changing, placing employers in a tough position. With employer-sponsored insurance covering 154 million Americans, benefits are a critical part of employee compensation. Average family premiums reached almost $27,000 in 2025, up 6% from the previous year. The challenge…
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HSA Limits: Maximizing Healthcare Savings
HSA account holders are now able to contribute more money to their HSA. The HSA contributions limits are adjusted for inflation each year, and HSA annual limits are released every April or May by the IRS. HSA Contribution Limits The…
Read MoreRising healthcare costs are a challenge for both employers and employees. In 2023 alone, total healthcare spending reached $4.9 trillion in the United States. While a fully insured health plan can offer comprehensive coverage, it doesn’t provide a means to navigate the…
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What are PCORI Fees?
Understanding PCORI Fees for Self-Insured Health Plans 2026 PCORI (Patient-Centered Outcomes Research Institute) Fees The applicable dollar amount for plan years ending on or after October 1, 2025, and before October 1, 2026, the tax is equal to $3.84. This…
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Insurance Trends 2026: A Broker’s Guide to Strategic Advantage
The insurance industry has evolved over the years. Insurance providers and brokers must know the trends and continuously adjust operations to meet the market demands and navigate the complexity of the current insurance landscape. The insurance industry is entering an era…
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What Is an ICHRA?
Every renewal season feels the same. Your broker provides new rates, premiums have increased again, and you’re left deciding whether to absorb the cost or ask employees to contribute more. But what if you could break that cycle? An Individual…
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