Balance by CCHP + Nonstop Health®

The Nonstop Health Medical Expense Reimbursement Plan (MERP)

A Medical Expense Reimbursement Plan (MERP) is an IRS Section 105 plan that allows employers to reimburse employees tax-free for qualified medical expenses like deductibles, coinsurance, and copays.

Nonstop Health builds on this model by pairing an ACA-compliant health plan with a Section 105 MERP, combining the cost control of a self-insured approach with the predictability of a fully insured plan. The result is a more efficient way to deliver richer benefits while reducing overall premium spend.

Who this is best suited for

• Mid-to-large Bay Area employers (50+ employees) in San Francisco, San Mateo, and Alameda counties
• Nonprofits and community organizations balancing cost and competitiveness
• HCAO-mandated employers seeking a more cost-effective path to compliance
• Small and large groups—estimated savings of 5–20% compared to Kaiser or Sutter

Why Brokers Are Choosing Balance by CCHP + Nonstop Health

• Lower Premiums: Typically 5–20% lower than other regional HMOs—and even more competitive versus national carriers.
• Better Benefits: $0 deductible plans with $0 copays for doctor visits and prescriptions.
• Strong Local Network: Access to 3,000+ providers and 28 hospitals across San Francisco, San Mateo, and Alameda Counties, including CPMC, Sutter, Chinese Hospital, Amazon One Medical, Hill Physicians, and Jade Medical Group.
• HCAO Made Easy: A turnkey compliance solution that can help return dollars back to your mission.
• Simple to Add: Low participation requirements make it easy to offer alongside Kaiser or other existing plans.

Stand out in the Bay Area market. Offer a high-value, differentiated plan that helps you compete, win, and retain business. Reach out to us for a quote to compare.