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What Is Cost Containment in Healthcare?

What is cost containment in healthcare
May 15, 2025

Rising medical costs are a top concern for employers, employees, and health plans. In response, cost containment in insurance steps up with programs, processes, and strategies designed to control or reduce healthcare spending without compromising care quality. Cost containment means offering employer groups and brokers a means of helping clients get the best value from […]

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MERP Compliance and Financial Considerations

merp compliance and financial considerations
May 15, 2025

Knowing how to manage a Medical Expense Reimbursement Plan (MERP) in compliance with federal regulations is important for helping your clients maintain the financial benefits of the healthcare program. As an insurance broker, you should be up to date with the latest compliance rules associated with your MERP employer group plan. This comprehensive guide explores how […]

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What Happens to Your HSA if You Leave Your Job?

What Happens to your HSA if you Leave Your Job
May 15, 2025

If you’ve been laid off or decided to leave your job, you may be wondering what will happen to your health savings account (HSA). Since you own the HSA, it’ll follow you wherever you go. This means you’ll still have your HSA, whether employed, unemployed, or switching jobs. Learn more about how to open an HSA and what happens to your […]

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The Official MERP FAQ

The official merp FAQ
May 13, 2025

As healthcare costs rise, companies need options to help their employees afford quality care while minimizing employer expenses. Medical Expense Reimbursement Plans (MERP) are among the insurance producer’s most effective tools for creating win-win group coverage solutions, but they’re also among the most misunderstood healthcare products. Whether you want help understanding MERP products or explaining […]

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May Case Study: Healthcare Technology Company Saves Over $150,000 in Guaranteed Health Insurance Costs with The Difference Card

May 9, 2025

A biotechnology company based in metropolitan Boston, employing over 200 people, sought to reduce their escalating health insurance expenses while enhancing employee benefits. Facing more than $4 million annually in fully insured premiums across four health plan options, the company turned to its insurance consulting firm for a strategic solution. To tackle the challenge, the […]

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HSA Limits: Maximizing Healthcare Savings

May 9, 2025

HSA account holders are now able to contribute more money to their HSA. The HSA contributions limits are adjusted for inflation each year, and HSA annual limits are released every April or May by the IRS. HSA Contribution Limits The HSA contribution limits for 2026 have been adjusted to reflect the cost of living changes. […]

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Understanding the Relationship Between Economics and Insurance

May 6, 2025

Understanding the Relationship Between Economics and Insurance Economics has more impact on insurance and the healthcare system than you’d expect. Everything from policy premiums to market adjustments stems from the economic conditions. Whether we’re in a recession or working with a new government administration, economics shift and directly impact our insurance market. In 2023, 92% […]

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Understanding Self-Funded Insurance Plans vs. MERP Products: Key Differences and Considerations

understanding self-funded insurance plans vs merps
April 22, 2025

Health insurance costs have been rising for years, and experts predict the trend will only continue. Many businesses are turning to other health insurance benefits, like self-funded health insurance plans and medical expense reimbursement plans (MERP)), to lower their spending. Self-funded and MERP products are both employer-sponsored health plans under Section 105 of the Internal Revenue Code (IRC). […]

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