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Complimentary White Paper
How to Stack an HSA and MERP for Maximum Employer Savings
Discover how strategically combining an HSA-eligible health plan with a MERP can create a different approach to rising premiums, employee out-of-pocket costs, and benefits savings.

As health insurance costs continue to climb, benefits professionals face a difficult challenge: How can you help employers reduce healthcare spending without making benefits less attractive to employees?

Moving to a high-deductible health plan can reduce premiums, but higher deductibles can create understandable concerns among employees.

There may be another approach.

This white paper explores how employers can combine an HSA-eligible HDHP, Health Savings Account (HSA), and Medical Expense Reimbursement Plan (MERP) to create a coordinated benefits strategy designed to reduce costs while providing employees additional financial protection.

Download the white paper to learn:

  • How the HDHP + HSA + MERP strategy works

  • How employers may reduce fixed premium costs while protecting employees from higher out-of-pocket exposure

  • How MERP reimbursements and HSA contributions can create potential payroll-tax advantages

  • Why proper plan design is critical to preserving HSA eligibility

  • Which employers may be the strongest candidates for this approach

  • How premium savings can potentially be redirected into employee HSA contributions

  • Real-world examples of employers that have used the strategy to reduce benefits costs

Complete the form to download the complimentary white paper and explore another strategy you can bring to clients facing rising health plan costs.

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