Balance by CCHP + Nonstop Health®

Nonstop Health Medical Expense Reimbursement Plan (MERP): A modern approach to medical benefits

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 Balance’s Bronze 60 HDHP 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 stronger benefits while reducing overall premium spend.

Hey Nonprofits, this is the HCAO solution you’ve been waiting for:

• 100% Compliant: Meets all SF Healthcare Accountability Ordinance standards.
• Better Than Platinum: $0-deductibles and $0-copays for your staff.
• Budget-Friendly: Typically 5–20% lower premiums than Kaiser.
• Elite Access: 25+ top Bay Area hospitals in-network, plus Hill Physicians and Amazon One Medical

How the integrated plan works

1. The Foundation: Start with the Balance Bronze 60 HDHP to instantly reduce monthly premiums.
2. The Power-Up: Nonstop Health wraps around the plan, covering the employee’s entire deductible.
3. The Nonstop Health Card: Employees use their Nonstop Visa card to pay $0 for all in-network, eligible expenses.
4. Elite Access: Members see premier providers like Sutter, Hill Physicians and One Medical with no upfront out-of-pocket cost.
5. Admin-Free: Nonstop Health handles all claims, substantiation, and MERP processing behind the scenes—no extra work for your HR team.
6. The Result: Expect to save 10-20% on premiums while delivering a $0-deductiblePlatinum+ experience for your employees.

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

Give your team better access to care while reducing healthcare benefit costs. Reach out to us for a quote to compare or ask your broker to connect with us.