Early Retiree Reinsurance Program (ERRP)

Rising costs have made it difficult for employers to provide quality, affordable health insurance for workers and retirees while also remaining competitive in the global marketplace. Many Americans who retire without employer-sponsored insurance and before they are eligible for Medicare see their life savings disappear because of exorbitant rates in the individual health insurance market.

The Early Retiree Reinsurance Program provides much-needed financial relief for employers so retirees can get quality, affordable insurance.

Note: As of May 5, 2011, the Department of Health and Human Services is no longer accepting applications for ERRP.

For More Information

• If you are an employer interested in participating in the Early Retiree Reinsurance Program, visit www.ERRP.gov.
• Fact Sheet: The Affordable Care Act's Early Retiree Reinsurance Program.
• Find a list of employers receiving help by state (PDF - 644KB).
• See a list of participating employers by zip code (PDF - 736KB). Note: People using assistive technology may not be able to fully access information in this file. For assistance, please email healthcareweb@hhs.gov.)
• Report: Implementation and Operation of the Early Retiree Reinsurance Program During Calendar Year 2010 (PDF - 268KB).
• Find detailed technical and regulatory information on ERRP.
• Use our interactive FAQ tool to find answers to employer-related questions or ask your own at answers.healthcare.gov.

Posted on: August 31, 2010

Last updated: January 24, 2012