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MERPs

A Medical Expense Reimbursement Plan is a type of HRA that lets an employer self-fund part of employees’ out-of-pocket medical costs, often to offset a high deductible. The employer sets the amount and rules, and reimbursements are tax-free to employees.

What’s the difference between an HRA and a MERP?

June 29, 2026March 27, 2025 by HealthInsuranceFAQs

A MERP (Medical Expense Reimbursement Plan) is a type of HRA; the term usually describes a specific strategy (using an HRA to self-fund part of a high-deductible group plan), not a different account. All MERPs are HRAs, but not all HRAs are MERPs.

Categories Accounts Tags HRAs, MERPs

Health Insurance FAQs is researched carefully and believed to be accurate and current, but it is general information, not legal, tax, or insurance advice.

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