Life happens.
You might have looked at your health insurance options before and thought, "I can’t afford it" or "I’m stuck with my employer’s plan, even if it’s expensive." But the truth is — you might have more choices than you realize.

The Affordable Care Act (ACA) has special affordability exemptions that could open the door to better coverage (and even premium subsidies) for people who thought they were ineligible.

Here’s How It Works

If you’re 30 or older and the cost of the lowest-price Bronze plan in your area is more than 9.02% of your household income — you could qualify for an exemption.
This matters because:

• It could allow you to get a Catastrophic plan (usually only for those under 30).

• In some situations, it may make you eligible for Marketplace premium tax credits — even if you have job-based coverage available.

Two Common Scenarios We See

1. Job-Based Coverage Costs Too Much

   • If self-only coverage from your employer costs more than 9.02% of your income, you may qualify for a subsidy through the Marketplace.

   • If family coverage costs more than 9.02% of your income, your spouse and/or dependents may qualify for help, even if you don’t.

2. Marketplace Coverage Seems Out of Reach

   • If the cheapest Bronze plan available is still more than 9.02% of your income, you may qualify for a hardship or affordability exemption, giving you new options for coverage.

Why This Matters Now

Many people miss out on financial help simply because they assume they’re not eligible.
With health insurance costs rising, this rule can make the difference between paying full price and having affordable coverage you can actually use.

How We Can Help

Our team can:

• Review your current employer plan to see if it’s considered “affordable” under ACA rules.

• Check Marketplace plan pricing in your area.

• Guide you through the exemption application process if you qualify.

• Make sure you don’t miss out on subsidies you deserve.

All at no cost and no obligation.

📞 Call us at 904-654-5450 or
💻 Visit MereBenefits.com to see if you qualify.

Let’s find out if you have more options than you thought.