There is more than one way to transfer risk. Most plan sponsors think insurance coverage is the only method. They are wrong.
Transferring risk can include (1) Insurance, (2) ACA Mandated Hospital Assistance Subsidies, (3) Rx Manufacturers Assistance Programs, (4) Non-Profit Foundation Subsidies, (5) ACA Risk Transfer To The Individual Marketplace, (6) Spousal Carveout, (7) Dependent Carveout, (8) and two other proprietary methods we hold very close to our vests.
Catilize Health assists plan sponsors in transferring risk through their MERP program:
Catilize Health is the standalone professional benefit administrator of the MERP plan. For nearly two decades, the MERP plan has helped employers reduce risk while measurably increasing bottom-line. The MERP plan works by allowing eligible participants and dependents the freedom to enroll in a spouse’s employer-sponsored medical plan – and we make it easy.
