A MERP is a type of HRA used to reimburse part of a deductible. It’s a cost-sharing strategy that helps employers lower premiums while softening the blow for employees.
MERPs
Medical Expense Reimbursement Plans (MERPs) are a type of Health Reimbursement Arrangement (HRA) that allow employers to self-fund a portion of employees’ out-of-pocket medical costs—often to offset high deductibles. These FAQs explain how MERPs work, when to use them, and how they can be paired with traditional or high-deductible group health plans.