--- title: Why you should consider a MERP for your clients and prospects description: In this environment where employee satisfaction is critical to recruitment and retention, the quality and flexibility of a Medical Expense Reimbursement Plan (MERP) when paired with a High Deductible Health Plan (HDHP) is more advantageous for all parties. image: https://blog.nonstophealth.com/hubfs/2025_0211_Webinar_MER101_BlogPromo-_1200x630.jpg --- [![Nonstop](https://blog.nonstophealth.com/hs-fs/hubfs/2022-nonstop/images/Nonstop_Logo-22-Horizontal%20(2).png?width=1501&name=Nonstop_Logo-22-Horizontal%20(2).png "Nonstop")](https://www.nonstophealth.com/) ** - [ Outcomes ](https://blog.nonstophealth.com/why-you-should-consider-a-merp-for-your-clients-and-prospects#) - [![icon-1](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-1.svg) Benefits Nonstop Health can improve benefits and lower costs for employees and employers. ](https://www.nonstophealth.com/benefits) - [![icon-2](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-2.svg) Services & Technology Get the most out of your plan with easy administration and usage tracking. ](https://www.nonstophealth.com/services) - [ Resources ](https://blog.nonstophealth.com/why-you-should-consider-a-merp-for-your-clients-and-prospects#) - [![icon-1](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-1.svg) Support Our support team is ready to help, whether you’re an employer, member, or broker. ](https://www.nonstophealth.com/support) - [![icon-3](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-3.svg) Case Studies Seeing our solution in action. ](https://offers.nonstophealth.com/case-studies) - [![icon-4](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-4.svg) Blog Insights and updates to help navigate the health insurance landscape. ](https://blog.nonstophealth.com) - [![icon-5](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-5.svg) Podcasts A collection of conversations built to inspire. ](https://www.nonstophealth.com/podcast) - [![icon-6](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-6.svg) Webinar & Guides Insights and resources to help your organization thrive. ](https://offers.nonstophealth.com/resources) - [ About Us ](https://blog.nonstophealth.com/why-you-should-consider-a-merp-for-your-clients-and-prospects#) - [![icon-7](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-7.svg) Our Team Learn about who we are and what drives us. ](https://www.nonstophealth.com/about-us) - [![icon-8](https://blog.nonstophealth.com/hubfs/2022-nonstop/images/icon-8.svg) Careers Discover rewarding employment opportunities with Nonstop. ](https://www.nonstophealth.com/careers) - [ Account login ](https://www.nonstophealth.com/alert) - [ For employees ](https://members.prod.nonstophealth.com/) - [ For employers ](https://clients.nonstophealth.com/) - [ For brokers ](https://channel.nonstophealth.com/) - [ Contact Us ](https://www.nonstophealth.com/contact-us) # Why you should consider a MERP for your clients and prospects ![](https://blog.nonstophealth.com/hubfs/2025_0211_Webinar_MER101_BlogPromo-_1200x630.jpg) People consistently rank health insurance as their most important employee benefit.  It’s up to you to lead their employers to a perfect fit for the organization, employees, and their families.  Many leaders feel the temptation to shift costs to employees in order to keep organizational costs manageable. But there’s a better way. In this environment where employee satisfaction is critical to recruitment and retention, the quality and flexibility of a Medical Expense Reimbursement Plan (MERP) when paired with a High Deductible Health Plan (HDHP) is more advantageous for all parties.  Why? Forty-eight percent of insured adults worry about affording their deductible before insurance kicks in. With a MERP wrapped around a typical HDHP, members don’t pay upfront out-of-pocket costs. Healthcare is accessible, affordable, and equitable across entire organizations.  Because MERPs are Section 105 plans, they allow employers to pay for their employees’ qualified medical expenses on a pre-tax basis. With this level-funded approach, you get the best of self-funded and fully funded models. Premium reductions are usually achievable with MERPs when compared to traditional plans. In the current health insurance marketplace, securing cost savings without degrading the quality of benefits is rare.  To learn more about offering a MERP to a client or prospect, check out our [latest webinar](https://offers.nonstophealth.com/webinar-what-is-a-merp-and-why-0220).  The information and materials herein are provided for general information purposes only and are not intended to constitute legal or other advice or opinions on any specific matters and are not intended to replace the advice of a qualified attorney, plan provider or other professional advisor. This information has been taken from sources believed to be reliable, but there is no guarantee as to its accuracy. 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