The Difference Card - Index - NABIP Resource Hub

Benefits for Our Producer Partners

The Difference Card’s exclusive distribution strategy gives our producers a unique health insurance savings solution they can bring to their clients.

Stand Out In A Crowd

The Difference Card’s unique health insurance plans can differentiate your agency in a crowded brokerage marketplace.

Grow Your Agency

In 2021, The Difference Card strategy helped our Producers win 59 new “broker of record” accounts- resulting in $1.6 million of new revenue for our Partner Agencies.

Retain Your Clients

The Difference Card is a long-term solution for the rising cost of healthcare. Our clients continue to see savings year after year.

Strategic Partners You Can Rely On

The Difference Card works closely with our strategic partners to deliver outstanding savings and customer service to our mutual clients.

Custom & Cost-Effective Health Insurance Benefits

A one-of-a-kind solution that can reduce health insurance costs by 18%. The Difference Card can often improve employee benefits without increasing costs to the employer.

Request a Proposal

Want to see real examples of how Section 105 Plans work for our clients to help them save an average of 18% on their healthcare?

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Using our Difference Guarantee strategy, The Difference Card helped a California-based supply chain printing company navigate a significant health benefits renewal challenge, reducing costs while maintaining high-quality employee benefits.

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Join Professor (and CEO) Joe Donvovan for a class on MERPs 101

Resources

White Paper

Thursday, August 20, 2026 The Difference Card
Help Employers Control Healthcare Costs With a Smarter Reimbursement Strategy
Help clients explore another approach to managing healthcare costs. This guide explains how MERPs work, their potential tax advantages, key compliance considerations, and how they can complement an employer's existing health benefits strategy.

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Guide

Wednesday, July 8, 2026 The Difference Card
The Future of Employee Benefits: Strategies Every Broker Should Know
Healthcare costs, employee expectations, and new technologies are reshaping benefits. Discover the trends and strategies that can help benefits brokers deliver greater value and strengthen client relationships.

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Guide

Wednesday, June 10, 2026 The Difference Card
Insurance Trends 2026: A Broker's Guide to Strategic Advantage
AI, rising healthcare costs, changing employee expectations, and increased competition are reshaping the benefits landscape. Discover the key trends brokers need to know to stay competitive and deliver greater client value in 2026.

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Hear From Advisors Just Like You

See what our producers are saying about us.

"The Difference Card is a difference maker for my clients."

Matthew Coleman Partner — Summit Trail Advisors

"Yvette was great! She was a pleasure to work with"

Margie Agent

"I have worked with the Difference Card for 10+ years. They're a great partner."

Nicola Young Asst. VP of Benefits — Risk Strategies Company

Meet Our Executive Team

Joseph Donovan

CEO

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Rosa Garcia Rinder

Chief Operating Officer

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Chris Calderone

Chief Revenue Officer

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Jun Choi

Chief Financial Officer

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Contact The Difference Card

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About The Difference Card

The Difference Card is a one-of-a-kind solution that can reduce health insurance costs by 18%. The Difference Card can often improve employee benefits without increasing costs to the employer. Over the last 9 years, our health insurance savings solution has resulted in an average of $3,000 in savings per employee per year. Insurance Brokers use our solution to stand out from the crowd and create a competitive advantage in a crowded marketplace.

Visit Our Website

sales@differencecard.com

PO Box 322 Mount Kisco NY, 10549

Financial Services Insurance Services Benefits Compliance Group Insurance