Many people in Jacksonville qualify for Marketplace plans (ACA/Obamacare), but feel lost when it comes time to enroll. Between confusing income estimates, provider directories, and endless plan names, it’s easy to feel stuck.

Let’s break down what you need to know before enrolling in a Marketplace plan in Northeast Florida.

The Jacksonville Reality Check

• Most plans are HMOs or EPOs, even if they sound flexible

• There is only one PPO plan available statewide—and it’s not affordable for most people

• Many provider directories are outdated or misleading

• Your doctor or hospital may be listed, but still not accept the plan

• St. Johns and Nassau Counties often have fewer carriers or plans than Duval

• Subsidies (financial help) are based on estimated household income

So while people often shop based on premium, the biggest frustration we hear is:

“I picked a plan, but then I found out I can’t see my doctor.”

How We Help

✅ We double-check your doctors and prescriptions
✅ We explain which plans have real network access in your area
✅ We help families switching from employer coverage, Medicaid, or COBRA
✅ We troubleshoot denials, document uploads, and renewal errors

Frequently Asked Questions (FAQ)

What are Marketplace health plans?

Marketplace plans (also known as ACA or Obamacare plans) are health insurance options offered through the federal HealthCare.gov platform, often with subsidies based on income.

Do I qualify for financial help (a subsidy)?

Most people in Jacksonville do! Subsidies are based on your estimated household income and family size. Use our Marketplace Income Guide or contact us to get a free estimate.

Can I keep my doctor with a Marketplace plan?

Not always. Many plans have limited networks, and some provider directories can be inaccurate. We always double-check for you before you enroll.

What’s the difference between HMO, EPO, and PPO?

• HMO (Health Maintenance Organization): Requires referrals and has strict in-network rules.

• EPO (Exclusive Provider Organization): No referrals needed, but still limited to in-network care.

• PPO (Preferred Provider Organization): Offers more flexibility, but only one PPO is available statewide—and it's usually very expensive.

Why is choosing a plan so confusing?

From plan names to provider networks, it can feel overwhelming. That’s why we help you navigate premium costs, network access, and covered services—all tailored to your zip code.

What if I’m switching from employer coverage, Medicaid, or COBRA?

We’ve helped hundreds of families transition smoothly. We'll make sure you're not overpaying or left without coverage.

Can you help with Marketplace errors or documents?

Yes! We assist with denials, document uploads, and renewal issues—so you’re not stuck calling the 1-800 line.

How do I get started with Mere Benefits?

Call our Jacksonville-based team or fill out our quick contact form. We’re local, experienced, and here to make insurance simple—for your benefit.

Still Unsure If You’ll Qualify for Help?

Use our Marketplace Income Guide to estimate your subsidy—and avoid surprise paybacks at tax time.

📍 Or call our Jacksonville-based team—we live here, we get it, and we’ll make it make sense. #simplyforyourbenefit