Delivering 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. 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. 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.