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Mountainside to offer fully funded HRA via 'The Difference Card' starting 2026
Summary
Council appointed EB Employee Solutions (dba The Difference Card) to provide HRA services for 2026; each enrolling employee will receive a fully funded HRA of $12,400 and the vendor fee is $92.17 per employee per month plus a $2,500 one‑time setup fee.
The Mountainside Borough Council on Oct. 21 approved Resolution 130‑2025 appointing EB Employee Solutions, LLC, dba The Difference Card, to provide Health Reimbursement Account (HRA) services for borough employees for the 2026 plan year.
The resolution states the borough’s intention to offer employees enrollment in an NJ HDHigh + Difference Card plan with a fully funded HRA in the amount of $12,400 per employee regardless of coverage tier (single, member/spouse, parent/child, family), effective Jan. 1, 2026. The vendor will receive a fee of $92.17 per employee per month, inclusive of broker fees, and a one‑time set‑up fee of $2,500. The Chief Financial Officer certified funding will be allocated in the 2026 operating budget for full‑time employees who opt in.
Council members voted unanimously in favor of the appointment. The resolution delegates authority for the mayor and borough clerk to execute required contracts with the vendor.
Why it matters: The fully funded HRA benefit would increase employer‑sponsored health support for employees who enroll and will have budgetary implications for the borough’s 2026 operating plan. The resolution notes the CFO has certified the planned appropriation for benefits.
What’s next: Contracts with the vendor will be finalized and funding incorporated into the 2026 budget; employees will be able to opt in under the terms described in the resolution.
