What Is a MERP? A Guide to Medical Expense Reimbursement Plans
Health benefits are under unprecedented pressure. U.S. employers are bracing for the largest health insurance cost increases in over 15 years, with employer coverage projected to surge approximately 9.5% in 2026 [WSJ]. For modern organizations, the numbers just don’t add up: nearly half of U.S. adults report difficulty affording healthcare, and one-third have delayed or skipped needed care in the past year due to cost [KFF]. Brokers and employers are caught in the middle, facing unsustainable premium hikes while employees encounter a “paywall” of rising out-of-pocket costs.
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