What is MERP? 

MERP is a Flexible Spending Account (FSA). It is a pre-tax account to use to pay for eligible medical, dental, and vision care expenses that aren't covered by your insurance plan. 

How Does MERP Work? 

  • Begin by estimating your eligible, out-of-pocket health care expenses for the upcoming year.
  • Use your estimate to enroll in MERP when you are first hired or during open enrollment.
  • The money you elect will be deducted from your paycheck on a pre-tax basis. 

Important Facts about MERP

  • MERP funds can be used for eligible out-of-pocket expenses for yourself and/or your dependents (spouse and eligible children).
    • Domestic Partners are not considered eligible dependents under federal law; therefore you cannot claim their expenses (unless they are a "qualifying relative"). 
  • You have access to your total annual amount for MERP on Jan. 1 of the plan year.
  • New participants will receive a MERP debit card (formerly known as Benny card) in the mail, which can be used for eligible expenses.
  • For 2022: The minimum annual amount is $240, and the maximum is $2,750. Up to $570 in unused funds will automatically be carried over at the end of the year to 2023. Funds in excess of the $570 rollover limit are subject to the “use it or lose it” rule. 
  • For 2023: The minimum annual amount is $240, and the maximum is $3,050. Up to $610 in unused funds will automatically be carried over at the end of the year to 2024. Funds in excess of the $610 rollover limit are subject to the “use it or lose it” rule. 

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What are some examples of MERP-eligible expenses? 

  • Glasses
  • Asthma inhalers
  • Bandages
  • Lasik
  • Sunscreen
  • Acupuncture
  • Copays
  • Prescription medications
  • Face masks (cloth and medical)
  • Over the counter medicines like:
    • pain relievers like aspirin and ibuprofen
    • antibiotic ointments
    • antihistamines
    • decongestants
    • eye drops
    • cough syrup
    • throat lozenges
  • Menstrual care products like:
    • Tampons
    • Pads
    • Liners
    • Cups
  • Review more on the  List of Eligible MERP Expenses from PacificSource (253.74 KB)

When can I sign up? 

  • Within 31 days of employment or eligibility, and
  • Every Open Enrollment period (Oct. - Nov.) you sign up for the following year. 
  • You can also change, end, or enroll during the year if you have qualifying events (new baby, marriage, certain job changes).

MERP Account

Access your MERP account through PacificSource. You are given a username and password upon enrollment.


MERP Forms

MERP Documents and Information


For more information: employee.benefits@multco.us, 503-988-3477.

PacificSource Administrators
Customer Service:  Toll Free 800-422-7038  --  http://psa.pacificsource.com/PSA/