At Mere, we understand that navigating health insurance can feel overwhelming. Whether you're exploring ACA Marketplace plans, private PPO options tailored for the self-employed, or faith-based Medi-Share solutions, we are here to simplify the process and guide you every step of the way.

Think of us as your health insurance compass—helping you find the right path to affordable, reliable coverage that fits your unique needs. Our team doesn’t just match you with a plan; we take the time to listen, educate, and empower you to make informed decisions for yourself and your family.

When you work with Mere, you gain more than just a plan—you gain a partner. We’ve helped thousands of individuals, families, and business owners build stronger foundations with the right coverage, and we’re excited to help you do the same. Let us take the complexity out of health insurance, so you can focus on what matters most.

Working with Mere doesn’t cost you a dime. Our services, including application assistance and ongoing support, are completely free to you. We’re compensated by the insurance carriers when we help you enroll in a plan and remain your Agent of Record (AOR).

Think of our relationship as a partnership for the long haul—kind of like a marriage, "until death do us part." Life changes, and so do your health insurance needs. Whether you transition from Marketplace coverage to group benefits, explore private PPO options, or eventually move onto Medicare, we’ll be here to guide you through every step of the journey.

With Mere, you’re not just getting help with health insurance—you’re gaining a trusted advisor who’s committed to your well-being, no matter where life takes you.

If you’re currently working with another insurance agent or agency, the first step is to schedule a consultation with Mere. During this meeting, we’ll review your current coverage to determine if it’s the best fit for your needs. If we identify opportunities for improvement or areas where we can better support you, we’ll discuss the next steps.

Depending on the type of insurance you have, the process to work with us may vary. For some plans, we can help you switch your Agent of Record (AOR) right away. For others, we may need to wait until an enrollment period to make changes. Regardless of the timing, our goal is to provide expert guidance and ensure you’re in the best possible position for your unique situation.

At Mere, we’re here to simplify the complexities of health insurance and provide ongoing support as your needs evolve. Let’s explore how we can make your health insurance work better for you.

#simplyforyourbenefit

Health insurance enrollment depends on the type of plan you’re seeking. Here’s a breakdown to help you understand your options:

Marketplace (ACA) Open Enrollment Period (OEP)

The Marketplace Open Enrollment Period runs annually from November 1 through January 15. During this time, anyone can apply for or make changes to a Marketplace health insurance plan.

• Coverage Start Dates:

  -Apply November 1 – December 15: Coverage begins January 1.

  -Apply December 16 – January 15: Coverage begins February 1.

  Special Enrollment Period (SEP)

  A Special Enrollment Period allows you to enroll outside of the OEP if you experience a qualifying life event. Common examples of SEP triggers include:

• Loss of coverage (e.g., losing employer-sponsored insurance, Medicaid, or CHIP).

• Marriage or divorce.

• Birth or adoption of a child.

• Moving to a new area where different plans are available.

• Change in household income that affects subsidy eligibility.

  Timeframe to Apply:

  You typically have 60 days from the date of the qualifying life event to enroll in a plan.

  Coverage Start Dates:

• Plans generally begin on the first of the month following your application and plan selection. For example, if you enroll on March 10, your coverage starts April 1.

• Exceptions: Some events, like the birth of a child, provide immediate coverage starting on the date of the event.

  Other Health Insurance Products

  Some products, like private PPO plans for the self-employed or Medi-Share, are available year-round. However:

• Many of these require qualification (e.g., income or health criteria).

• Some may have exclusions for pre-existing conditions or waiting before full benefits apply.

  These options can be a great solution if you don’t qualify for a SEP or need alternatives outside of the Marketplace.    

  My Employer Pays for Health Insurance for Me, but the Family Coverage is Unaffordable. Are There Options for My Family Outside of My Employer?

  Absolutely! If your employer-sponsored health insurance only covers you and the family coverage is unaffordable, there are several options available:

  1.Marketplace Coverage with Subsidies:
  Depending on the specifics of your employer's group health plan and household income, your family may qualify for a subsidy (financial assistance) through the ACA Marketplace. This can make family coverage much more affordable.

  2. Alternative Plans:

  We can explore private PPO options, Medi-Share, or other alternatives that might provide the coverage your family needs at a lower cost than your group options.
  
  At Mere, we specialize in finding creative and tailored health insurance solutions for individuals and families. Schedule a discovery consultation with us to review your situation and identify the best path forward. Together, we’ll simplify the process and find coverage that meets your family’s needs.