If you’re looking for your next health insurance plan, you already know that there are countless options to choose from, ranging from providers to networks to coverage types. As if navigating the health insurance market wasn’t already challenging enough, companies often use confusing acronyms without providing proper explanations, such as HMO, EPO, and PPO. This […]

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 understand about how clients can benefit from a self-funded model. Many are unaware that combining […]

Difference Card clients have saved $2.1 billion in healthcare expenses since its founding in 2001. Greenwich, CT – The Difference Card, a leading provider of cost-effective health insurance solutions, proudly commemorates its 25th anniversary this year. Since its founding in 2001, The Difference Card has helped clients achieve an average net savings of 18.2% a year, resulting in $2.13 billion in total savings provided to small and mid-sized employers across the U.S.   Founded by Paul Staubi […]

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 on helping professional service firms (law, architectural, medical/dental) take strategic approaches to healthcare cost containment, […]

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 people’s lives. This year, we are honored to donate to two outstanding organizations Interface Children […]

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 their annual healthcare spend above $4 million – unless they acted decisively. The Challenge: Rising […]

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 traditional group health plan, and can help control a company’s healthcare costs. Both benefits offer […]

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 solutions to complex benefits challenges has made a meaningful impact for his clients—delivering measurable results […]

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 some of our favorite case studies to see the savings we were able to achieve […]