The MERP Advantage: Cut Costs Without Cutting Care

With healthcare costs rising and nearly half of insured adults concerned about meeting their deductibles, organizations face increasing pressure to balance cost control with competitive benefits. MERPs provide a powerful solution to this challenge.

When paired with a High Deductible Health Plan (HDHP), MERPs deliver flexibility and affordability. Employees gain access to quality healthcare without upfront out-of-pocket costs, while organizations benefit from greater cost predictability.

The Strategic Advantage of MERPs

MERPs are Section 105 plans that allow organizations to reimburse qualified medical expenses on a pre-tax basis. This level-funded approach combines the benefits of both self-funded and fully insured plans.

Compared to traditional health plans, MERPs often provide premium savings without sacrificing benefit quality—a rare and valuable advantage in today’s market.

Position Yourself as a Forward-Thinking Broker

Brokers leveraging MERPs are standing out by offering innovative solutions that address their clients’ most pressing health benefit challenges. Learning about MERPs equips you to become the trusted advisor your clients need.

Ready to build your competitive advantage? Let’s talk.