Healthcare costs are rising. Renewals are getting tougher. And clients expect more than incremental adjustments.

To stay competitive, brokers need strategies that deliver real savings without disrupting employee benefits.

This white paper, MERP Design for Brokers: Deductible Buy-Downs, Copay Wraps, and More, provides a clear, practical framework for doing exactly that.

Rather than replacing existing plans, a Medical Expense Reimbursement Plan (MERP) works alongside them - helping reduce costs while maintaining access to care.

Inside this guide, you will discover:

• How MERPs work and where they fit in modern plan design

• Deductible buy-down strategies and when to use them

• How copay wraps improve affordability and retention

• When to introduce HRA/ICHRA stacking for flexibility

• How MERPs can offset network disruption and improve stability

• Key inputs needed to design and quote solutions effectively

The guide also explores advanced strategies like HRA and ICHRA stacking, allowing brokers to design more personalized, scalable benefit solutions for clients.

For brokers, this is more than a funding mechanism. It is a way to:

• Differentiate your value in renewal conversations

• Deliver measurable savings (often 10–25% in premium reduction scenarios)

• Strengthen long-term client relationships

• Expand your advisory role beyond plan placement

If your clients are facing double-digit increases, this is a conversation you need to be leading.

Download the guide and start bringing smarter, more strategic solutions to your next client conversation.