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    Better benefits for public sector employees.

    The Difference Card has a long-standing relationship working with public sector clients, such as townships, cities, boroughs, and government entities. We partner with public sector clients to create better health benefits that fit under state sponsored health plans.

    We help them create the BEST employee benefit plans, while often saving the organization hundreds of thousands of dollars.

    The Difference Card has saved public sector clients over $142 MILLION in healthcare expenses.

    The average public sector client sees about 16.1% in savings annually, or around $6,392 per employee per year.

    Download our Public Sector Savings Stats

    See The Success

    Ed Hyland

    A 35.6% renewal increase doesn’t have to be the end of the conversation. In this case study, Edward Hyland walks through how a New Jersey SHBP group was facing a renewal that would have increased annual healthcare costs from $6.3 million to $8.6 million.

    See The Success

    Zac Wisler

    What does it look like when a municipality breaks free from rising healthcare costs? In this case study, shares how a New Jersey township saved more than $1.9 million in healthcare spend after partnering with The Difference Card. Like many organizations on the NJ State Health Benefits Plan, they were facing ongoing high renewals with little rate relief. By implementing The Difference Card, they gained significant savings while providing employees with a richer benefits package.

    See The Success

    Chris Calderone

    Lower premiums. Better benefits. No compromise. Chris Calderone explains how The Difference Card helped clients cut premiums by 25% — all while maintaining or even improving employee benefits. It’s not just about saving money — it’s about delivering more value.

    Case study testimonial graphic for public entity

    See The Success

    Meghan Presutti

    Meghan Presutti shares how The Difference Card supported a public entity in transforming their benefits — delivering cost savings without disruption.  With the difference card, clients experience a seamless enrollment process and an easy transition that kept employees confident and covered.

    Case study testimonial graphic for public entity image

    See The Success

    Ed Hyland

    A 35.6% renewal increase doesn’t have to be the end of the conversation. In this case study, Edward Hyland walks through how a New Jersey SHBP group was facing a renewal that would have increased annual healthcare costs from $6.3 million to $8.6 million.

    See The Success

    Zac Wisler

    What does it look like when a municipality breaks free from rising healthcare costs? In this case study, shares how a New Jersey township saved more than $1.9 million in healthcare spend after partnering with The Difference Card. Like many organizations on the NJ State Health Benefits Plan, they were facing ongoing high renewals with little rate relief. By implementing The Difference Card, they gained significant savings while providing employees with a richer benefits package.

    See The Success

    Chris Calderone

    Lower premiums. Better benefits. No compromise. Chris Calderone explains how The Difference Card helped clients cut premiums by 25% — all while maintaining or even improving employee benefits. It’s not just about saving money — it’s about delivering more value.

    Case study testimonial graphic for public entity

    See The Success

    Meghan Presutti

    Meghan Presutti shares how The Difference Card supported a public entity in transforming their benefits — delivering cost savings without disruption.  With the difference card, clients experience a seamless enrollment process and an easy transition that kept employees confident and covered.

    Case study testimonial graphic for public entity image
    : "Ed Hyland"
    : "Zac Wisler"
    : "Chris Calderone"
    : "Meghan Presutti"

    What could your public sector client do with an extra $508,900 in savings?

    We are proud of the $508,900 we have saved EACH public sector client on average.

    $508,900 could provide a Municipal government with:

    PUBLIC SECTOR CLIENTS SAVINGS PROVIDED BY THE DIFFERENCE CARD
    Total savings $142,506,868
    Average annual savings per organization $508,953
    Average savings per employee per year $6,392.74
    Average percent of savings per employee per year 16.1%

     

    View of the Illinois State Capitol Building in Springfield, Illinois, USA

    Illinois Municipal Village Lowers 31% Renewal to 17% and Secures $370,000 in Guaranteed Savings with The Difference Card MERP Strategy

    A municipal Village in the greater Chicagoland area was confronted with a staggering 31% health insurance renewal increase from Blue Cross Blue Shield of Illinois for their 3/1 plan year.

    For municipalities and public sector employers facing double-digit renewals, this case demonstrates that alternative funding strategies – particularly the Difference Card MERP with Monthly Budget protection – can deliver measurable healthcare cost containment without sacrificing benefits.

    Instead of shifting costs to municipal employees, the Village achieved both budget relief and benefit improvement.

    Read more about it

    Judge and man reviewing a contract agreement together

    Public sector health insurance plans have the highest average total premium cost per employee at 18.5% higher than the average group health plan. – UBA Benefits

    How New Jersey Municipalities are using The Difference Card to save on healthcare

    New Jersey townships and boroughs are saving money while staying on their state health plan benefits.

    The Difference Card Strategy is saving New Jersey public entities an average of 24% off their health insurance.

    In New Jersey, most public entities opt for one of three plans options that are significantly higher than the national average:

    • The Direct $10 Plan
    • The Direct $15 Plan
    • The Direct $20/$30 Plan

    The Difference Card utilizes the more cost-effective NJ Direct $20 / $35 Plan, reducing the fixed monthly health insurance premium paid to the carrier.

    Compared to the Direct $10 plan, there is -24% savings in fixed premiums.

    Download the New Jersey Savings Flyer

    Interested in how The Difference Card could work for your Public Sector Client?

    The Difference Card offers public sector groups an alternative to expensive State Health Benefit Plans through our unique benefit plan designs.

    Discover how The Difference Card can help today!

    Request a Proposal

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