The 2026 ACA Subsidy Cliff: What You Need to Know Before It Hits
Mere Benefits Published on: 11/21/2025
Open Enrollment is officially underway, and this year something feels different for a lot of families
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Explore the latest articles from Mere Benefits—designed to help you navigate Medicare, the Marketplace, Social Security strategies, and more with clarity and confidence.
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The “Oh No” Box: Protecting What Matters Most
Mere Benefits Published on: 11/14/2025
Emergencies don’t wait. Fires, floods, hurricanes, theft, or even losing your wallet can leave you without the proof and paperwork you need to rebuild your life or help your family.
What Does “Creditable Coverage” Actually Mean?
Mere Benefits Published on: 11/13/2025
When you start looking into Medicare, one phrase pops up everywhere
Avoiding the Medicare Part B Late Enrollment Penalty
Mere Benefits Published on: 11/12/2025
If there’s one mistake that can follow you for life, it’s missing your window to enroll in Medicare Part B.
When Medicare Is Primary vs. Secondary — How to Know the Difference
Mere Benefits Published on: 11/11/2025
One of the most confusing parts of turning 65 is figuring out who pays first when you have more than one type of insurance.
My Spouse Is Still Working — When Should I Enroll in Medicare?
Mere Benefits Published on: 11/10/2025
If you’re turning 65 but your spouse is still working and you’re covered under their employer insurance, you’re probably wondering:
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