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The Broker’s Playbook: A Modern Guide to Self-Funding, Stop-Loss, and MERP
With fully insured healthcare plans becoming increasingly complex and expensive, many organizations are seeking alternatives that provide excellent employee coverage without incurring unnecessary expenses. Self-funding can be a solution to common problems. However, there’s a lot that brokers need to…
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Broker of the Month: Celebrating Paul V. Shaheen, RHU, REBC – Horton Group Division of Marsh McLennan Agency (MMA)
This month, the Difference Card team is proud to recognize Paul V. Shaheen, RHU, REBC, a seasoned employee benefits consultant with Marsh McLennan Agency (MMA), as our Broker of the Month. For nearly 35 years, Paul has been laser focused…
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Happy Holidays from The Difference Card Team!
As we wrap up another incredible year, we reflect on the values that guide us – gratitude, generosity, and community. This season, we’re proud to continue our tradition of giving back by supporting organizations that make a real difference in…
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California Construction Company Improves Health Benefits and Lowers Insurance Expenses by $215,000 – Guaranteed
A corporate construction services company with three locations across California recently faced a difficult renewal: a 10% health insurance rate increase from long-time carrier Kaiser Permanente. With more than 300 employees enrolled on their plan, the renewal would have pushed…
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ICHRA vs. QSEHRA: What’s the Difference?
A health reimbursement arrangement (HRA) helps employers provide employees with healthcare benefits without compromising their bottom line. While there are different HRA types, an individual coverage HRA (ICHRA) and a qualified small employer HRA (QSEHRA) are good additions or alternatives to a…
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Broker of the Month: Celebrating Mike Carraway of Acentria, a Foundation Risk Partner
The Difference Card is proud to recognize Mike Carraway of Acentria, a Foundation Risk Partner, as our Broker of the Month for his outstanding leadership, client advocacy, and dedication to driving innovative healthcare cost-saving strategies. Mike’s ability to bring creative…
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Discover Difference Card Doorbuster Savings
On average, savings for Cyber Monday are about 30%. Here at The Difference Card, we believe in saving our clients money on their health insurance spend, but can we beat 30% savings? We decided to take a deep dive into…
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An ICHRA vs. Traditional Group Health Insurance
Healthcare benefits are nonnegotiable for employers who want to attract and retain qualified employees in a competitive labor market. For a long time, traditional group health insurance was the primary option employers had for providing health benefits to employees. However,…
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The Broker’s Four-Part Framework for a Winning Health Insurance Strategy
A good health insurance plan can provide important assistance to your clients, but there are countless options available for businesses. What can you do to ensure you offer a personalized and impactful service that provides effective coverage and helps clients…
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A Guide to ICHRA Rules and Regulations
Though traditional employer-sponsored health insurance benefits can be complicated and costly, the Individual Coverage Health Reimbursement Arrangement offers a flexible alternative. It allows employers to provide personalized healthcare coverage without the limitations of traditional group plans. ICHRA adoption has steadily…
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