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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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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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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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What’s the Difference Between a MERP vs. HSA?

merps vs hsa
February 21, 2025

Health insurance is a major consideration for employees. Businesses looking to hire and retain the best talent need to offer competitive benefits to motivate their team. But how do you offer affordable healthcare without driving up your expenses? Insurance producers can provide businesses with alternative insurance packages to make it easier to offer their employees […]

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A Guide to MERP Options and Their Tax Benefits and Advantages

a guide to merp tax benefits
December 26, 2024

As healthcare prices continue to increase, employers need to find ways to lower these costs. A Medical Expense Reimbursement Plan (MERP) is a strategic tool companies use to help employees manage their out-of-pocket healthcare costs. MERP products are flexible and tax-advantaged, well-suited to small and large businesses and beneficial to both parties. By understanding the […]

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MERP vs. Traditional Health Insurance

Merp vs traditional health insurance. Professional looking woman looking at laptop
November 21, 2024

When it comes to health insurance benefits for employees, businesses have various options. Most companies offer traditional health insurance plans to provide employees with standardized medical coverage. However, there are other medical insurance products to choose from that offer additional benefits. One such product is a Medical Expense Reimbursement Plan (MERP). Whether you’re an insurance […]

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Maximizing Your MERP Benefits

Maximizing your merp benefits
November 15, 2024

Understanding the ins and outs of healthcare can feel like a complex puzzle. Rising healthcare costs that traditional insurance can’t always cover raise some challenges for insurance producers and employers. However, there are ways of combating high healthcare costs. For insurance providers, understanding medical expense reimbursement plans (MERPs) is key to offering clients a way to […]

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How to reduce healthcare costs with a MERP

Reduce healthcare costs with MERPs
October 23, 2024

Many families worry whenever they have to deal with medical conditions and associated medical expenses. In 2023, the annual medical cost for a family of four in the U.S. was $31,065. To provide relief from medical expenses, employers offer various forms of healthcare plans or benefits for their employees. In addition to the traditional group health insurance, […]

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Future Trends in Health Benefits: The Growing Role of MERPs

Growing Role of MERPs
October 9, 2024

Healthcare in the USA is becoming increasingly costly and complex for employers, employees and insurance companies. According to a 2023 report by KFF, the average annual premium for employer-sponsored family health coverage reached $23,968, marking a 7% increase from the previous year. As healthcare expenses continue rising, finding comprehensive cost-containment strategies has become increasingly crucial […]

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Benefits of MERPs for Small Businesses

merps for small businesses
August 27, 2024

Health insurance can be a significant expense for small businesses, but employers don’t have to forego this competitive employee benefit to save costs. Instead, they can use a medical expense reimbursement plan to bridge the gap between offering nothing or a full-fledged health care plan. MERPs also bring other advantages besides helping employers afford to […]

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