Skip Navigation

Early Retiree Reinsurance Program

The U.S. Department of Health & Human Services is now accepting applications for the Early Retiree Reinsurance Program (ERRP).  On June 29, 2010, the Department published the official ERRP Program Application, official ERRP Application Instructions, and Application Submission Dos and Don’ts (including the address for submitting an application).

For more information on the Early Retiree Reinsurance Program please visit:

Among other useful information, provides information on:

  • How to apply;
  • Frequently Asked Questions;
  • Educational materials for sponsors describing how to complete the necessary steps to receive reimbursement

The Early Retiree Reinsurance Program was established by the Affordable Care Act. Congress appropriated funding of $5 billion for this temporary program, which became effective June 1, 2010, pursuant to the interim final rule published on May 5, 2010. The program ends no later than January 1, 2014.

The Early Retiree Reinsurance Program provides reimbursement to employer and union sponsors of participating employment-based plans for a portion of the cost of health benefits for early retirees and their spouses, surviving spouses, and dependents. The Secretary will reimburse sponsors for certain claims between $15,000 and $90,000 (with those amounts being indexed for plan years starting on or after October 1, 2011). The purpose of the reimbursement is to make health benefits more affordable for plan participants and sponsors so that health benefits are accessible to more Americans than they would otherwise be without this program.

To view the Early Retiree Reinsurance Program Regulation, click here.  Comments on these regulations were due June 4, 2010.

For all other current and updated information related to the Early Retiree Reinsurance Program, please visit