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 […]

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 […]

According to the latest statistics from the American Medical Association, each person in the U.S. spends an average of $13,493 on healthcare in 2022. That’s a significant portion of many employees’ annual salaries. Businesses that cover part of these medical expenses help encourage employee loyalty while helping staff prioritize their well-being. As a side bonus, staff members […]

Lo que debe saber sobre el uso de una estrategia MERP ESCRITO POR ERIC CALCIANO, Socio Director de New City Insurance Publicado originalmente en Issuu.com y publicado en California Broker Magazine ¿Busca una herramienta sólida para las empresas que desean gestionar eficazmente los costes sanitarios? Eche un vistazo a los planes de reembolso de gastos médicos (MERP). No sólo [...]

Muchas empresas eligen los planes de reembolso médico de la Sección 105 para ahorrar en impuestos. Tanto los empresarios como los empleados pueden beneficiarse de los planes de la Sección 105, pero las ventajas concretas de las que puede disfrutar su empresa dependen de las necesidades de su organización. Si usted es un empresario que busca más información sobre una forma alternativa de financiar los gastos médicos, los planes de la Sección 105, [...]

A medical expense reimbursement plan (MERP) can help employers reduce healthcare costs without sacrificing the level of care employees receive. Employers can also adjust the plans annually and maximize the budget as needed. However, a MERP comes with a set of rules. Noncompliance may affect the plan’s tax-advantaged status. Effectively communicating with employers and working […]