With rising healthcare costs, small business owners are looking to provide competitive health benefits while managing tight budgets. The Individual Coverage Health Reimbursement Arrangement (ICHRA) is one innovative solution gaining popularity for its flexibility and the cost control it affords to employers. This guide lays out the pros and cons of ICHRA solutions so you […]

Understanding the meaning of an HDHP lets you pitch the right plans to your clients. As a plan regulated by the Affordable Care Act (ACA), an HDHP has limits that can influence an employer’s decision. The plan offers benefits, such as lower monthly premiums and full coverage for preventive services. It also works with tax-advantaged accounts, like […]

The rising cost of healthcare in the U.S. creates challenges for employers and the producers who guide them. Higher premiums, increased prescription prices, and shifting plan designs leave many business leaders asking the same question — why is this happening? The reasons for rising costs of healthcare vary. Medical advancements, an aging population, and shifts in […]

USI Insurance Services – Employee Benefits Ohio Team At The Difference Card, we’re proud to celebrate our broker partners who consistently deliver innovative benefit solutions and exceptional value for their clients. This month, we’re excited to recognize Nyle Mohler of USI Insurance Services – Ohio team as our September Broker of the Month! About Nyle […]

No Tricks, Just Treats: Proven Savings for Every Industry Is your organization haunted by double-digit health insurance increases? Are you tired of the yearly nightmare of cutting employee benefits to keep up with rising healthcare costs? At The Difference Card, we’re here to offer a sweeter alternative. We help employer groups save big on healthcare […]

When faced with an 8% health insurance rate increase for their September 1st renewal, a Northern California construction and landscape management company turned to their insurance consultant for a creative solution. The proposed increase would have raised their fixed health insurance costs to more than $1.3 million—well above budget. At the same time, employees were […]

Brokers are Being Tasked to Fight the Largest Surge in Healthcare Costs in Over a Decade As we head into 2026, employers and their health insurance brokers are facing a daunting challenge. Health benefit costs are seeing the highest increase in 15 years with costs for employer-sponsored plans expecting to surge about 9.5%. This would […]

Gap health insurance coverage helps members pay for out-of-pocket costs under a comprehensive health insurance plan, which is usually a high-deductible health plan (HDHP). It also offers a financial safety net for employees before primary coverage begins. That said, this supplementary insurance plan has limitations. This article explains what gap insurance is, how it works, and […]

Gibson Insurance & Employee Benefits | Phoenix, Arizona At The Difference Card, we take pride in recognizing exceptional broker partners who consistently deliver creative benefit strategies and measurable results for their clients. This month, we’re excited to shine the spotlight on Mike Petefish, Senior Benefits Consultant at Gibson Insurance & Employee Benefits in Phoenix, Arizona. […]

When a New Jersey township was faced with a steep 17% increase in health insurance premiums, its leadership knew immediate action was needed to protect both taxpayers and municipal employees. This public sector employer, covering 30 members through Horizon Blue Cross Blue Shield of New Jersey, was paying over $700,000 annually for employee health benefits. […]