For Producers

How We Help Producers

Are you looking for ways to differentiate your agency in a crowded health insurance brokerage market?

The Difference Card’s exclusive distribution strategy creates a proprietary health savings solution for brokers to bring to their clients and prospects in the group health insurance market.

Our team of highly trained Sales and Retention Consultants have been helping producers grow their businesses for the past twenty years through the design and delivery of innovative cost saving solutions.

We can help you stand out.

Request a proposal to learn how

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Best-in-class Brokers

The Difference Card strategically partners with best-in-class brokerage agencies and independent agents across the US to help them grow their business by delivering an innovative health insurance solution to reduce employer health insurance costs, while still providing the same benefits to employees.

Producer Growth By The Numbers

Are you trying to find a cost-effective health benefit plan to address the rising cost of healthcare for your Employer Group clients?

For the last 21 years, The Difference Card has worked for our Producer Partners to create custom health benefit plans for employers, allowing them to save an average of 18% off the health insurance spend.

  • In 2021, despite another challenging prospecting year due to COVID-19, The Difference Card was still able to help our Producers win 59 new “broker of record” accounts. The agency new business premium was $40 million in total- resulting in $1.6 million of new revenue for our Partner Agencies.
  • In 2020, despite COVID-19, The Difference Card assisted brokers in writing 105 new “broker of record” accounts, equating to over $108 million in new medical premiums and $4.3 million in new revenue for their agencies.
  • In 2019, our producers won 92 new brokerage accounts worth $123 million in new medical premiums and $4.9 million in new commission.
  • In 2018, The Difference Card helped brokers to win 74 new groups for their brokerage agencies totaling $80 million in new medical premiums, worth $3.2 million in new revenue.

Employer Savings Results By The Numbers

The last 6 years of our health insurance savings solution has resulted in $3,000 of savings per employee per year.

Year PEPY Percent of savings
2021 $3,341 18.9%
2020 $3,095 18.5%
2019 $2,696 16.3%
2018 $2,352 16.5%
2017 $2,010 17.1%
2016 $2,150 17.9%
2015 $2,354 18.9%


The Difference Card’s suite of products includes:

Medical Expense Reimbursement Plans (MERP)

  • Saving employers 18% by administrating a partially self-funded plan designs that combine multi-line benefits such as doctor’s office visits, urgent care, emergency room, hospitalization, surgery, mental health, pharmacy, dental and vision coverage.

The Difference Guarantee

  • Financial protection for our customers by capping their claims exposure and transferring risk to an A rated insurance carrier.

Difference Card Wellness

  • An incentive-based wellness program to encourage healthy behaviors and drive down the cost of healthcare long term.

Health Savings Accounts (HSA)

  • Triple-tax advantaged savings account with top tier investment options for employees.

Dental Difference

  • A new dental solution that can solve the problem of high fixed premiums.

Health Reimbursement Arrangements (HRA)

  • An employer-funded account, which gives members access to a fixed annual amount to help pay for healthcare expenses.

Flexible Spending Accounts (FSA)

  • An employee-funded account that allows members to pay for healthcare expenses on a pre-tax basis.

Commuter Benefit Plans

  • Commuter savings solution to fund mass transit, ride sharing and parking expenses on a pre-tax basis.

Compliance Solutions

  • ERISA compliant plan documents, premium only plans, summary plan descriptions, wrap documents and non-discrimination testing.


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