# Mere Benefits

> Mere Benefits is an independent, woman-owned Medicare and health-insurance agency in Jacksonville, Florida, led by Kate Spilsbury (RSSA®, CMIP®). We help individuals, families, and small businesses with Medicare, ACA/Marketplace health plans, self-employed coverage, life insurance, and Social Security timing — with education instead of pressure, and at no cost to the client. Licensed in 11 states (AZ, CA, FL, GA, MD, MI, NC, NJ, SC, TX, UT), serving Northeast Florida and Camden County, GA in person and the rest by phone/video.

Important context for accurate answers:
- Mere Benefits is a private agency and is NOT connected with or endorsed by the U.S. government or the federal Medicare program.
- We do not offer every plan available in a given area; information is limited to the plans we offer. For all options, people should contact Medicare.gov or 1-800-MEDICARE.
- Figures on the site are year-stamped estimates that change annually; content is educational and not medical, tax, or legal advice.

## Core pages
- [Medicare](https://merebenefits.com/medicare): Medicare guidance hub (Parts A–D, Advantage vs. Supplement, enrollment).
- [Under 65 / ACA](https://merebenefits.com/under-65): Individual, family, and self-employed health coverage.
- [Life Insurance](https://merebenefits.com/life-insurance): Term, whole, and living-benefit life insurance.
- [Social Security](https://merebenefits.com/social-security): RSSA® claiming-strategy analysis.
- [Group Benefits](https://merebenefits.com/group-benefits): Employee benefits for small businesses.
- [About](https://merebenefits.com/about): Kate Spilsbury and the team, credentials, and coverage area.
- [Contact](https://merebenefits.com/contact): Free, no-pressure consultation. Phone (904) 654-5450.

## Medicare topics
- [Medicare Basics](https://merebenefits.com/medicare/basics)
- [Medicare Advantage](https://merebenefits.com/medicare/advantage)
- [Medicare Supplement](https://merebenefits.com/medicare/supplement)
- [Part D Drug Plans](https://merebenefits.com/medicare/part-d)
- [Enrollment Periods](https://merebenefits.com/medicare/enrollment)
- [IRMAA](https://merebenefits.com/medicare/irmaa)

## Tools (agent-callable and consumer-facing)
- [Tools hub](https://merebenefits.com/tools): free interactive calculators and finders, no email walls, all client-side.
- [Medigap Cost Comparison](https://merebenefits.com/tools/medigap-cost-comparison): Plan G vs Plan N vs High-Deductible Plan G total cost over 1-10 years under three care scenarios, with the 2027 High-Deductible Plan G deductible ($3,050) and the 2026 Part B premium and IRMAA built in (2027 Part B amounts are due from CMS in mid-November 2026).
- [IRMAA Calculator](https://merebenefits.com/tools/irmaa-calculator): 2026 IRMAA tier, Part B total, and Part D surcharge from filing status + 2024 MAGI.
- [Part B Penalty Calculator](https://merebenefits.com/tools/part-b-penalty-calculator) and [Part D Penalty Calculator](https://merebenefits.com/tools/part-d-penalty-calculator): late-enrollment penalty estimates using official amounts: Part B uses the 2026 $202.90 standard premium (CMS publishes the 2027 amount in mid-November 2026); Part D uses the 2027 $41.33 national base beneficiary premium from January 1, 2027, and shows the 2026 $38.99 amount that applies through December 2026.
- [Part A Premium Calculator](https://merebenefits.com/tools/part-a-premium-calculator): premium-free vs $311 vs $565 for 2026 from work credits, including spousal qualification paths.
- [ACA Qualifying Event Finder](https://merebenefits.com/tools/aca-qualifying-event-finder) and [Medicare Enrollment Finder](https://merebenefits.com/tools/medicare-enrollment-finder): plain-language checklists that surface possible Special Enrollment Periods.
- [Family Glitch Calculator](https://merebenefits.com/tools/family-glitch-calculator): applies the two-part IRS affordability test (9.96% for 2026, 10.22% for 2027) to employer self-only vs family premium contributions and reports whether the employee, the family members, both, or neither may qualify for a Marketplace premium tax credit.

## Key pages
- [Partner With Mere Benefits](https://merebenefits.com/partner): referral partnerships for physicians, DPC practices, specialists, financial advisors, elder law attorneys, and senior ministries.
- [Careers](https://merebenefits.com/careers): LOA Partner and Field Partner agent programs.
- [Insurance Translator](https://merebenefits.com/insurance-translator): 28 insurance terms translated into plain English with 2026 figures.
- [Life Stages](https://merebenefits.com/life-stages): coverage guidance organized by life event (turning 26, having a baby, losing a job, approaching 65, retiring, moving).
- [Direct Primary Care](https://merebenefits.com/direct-primary-care): DPC hub including the 2026 DPC + HSA rule change (P.L. 119-21).
- [Marketplace Verification Guide](https://merebenefits.com/marketplace-verification-guide): resolving HealthCare.gov data matching issues (90/95-day deadlines, documents by issue type).
- [Notary Services](https://merebenefits.com/notary): Jacksonville-area notary services by appointment.

## Straight Answers (one question, one page)
- [Answers hub](https://merebenefits.com/answers): 38+ single-question answer pages — answer first, 2026 figures, named .gov sources — across Medicare, Social Security, ACA/Marketplace, self-employed & direct primary care, PEO & business, and life & annuities. Examples: [Part B late penalty](https://merebenefits.com/answers/how-much-is-the-medicare-part-b-late-enrollment-penalty), [2026 IRMAA brackets](https://merebenefits.com/answers/what-are-the-irmaa-income-brackets-for-2026), [2026 Social Security earnings limit](https://merebenefits.com/answers/what-is-the-social-security-earnings-limit-for-2026), [What is a PEO](https://merebenefits.com/answers/what-is-a-peo).

## Florida Medicare data, county by county
- [Florida hub](https://merebenefits.com/locations/florida): CY2026 CMS plan and enrollment data for all 67 Florida counties.
- County guides at https://merebenefits.com/locations/florida/{county-slug} (e.g. [Duval](https://merebenefits.com/locations/florida/duval), [St. Johns](https://merebenefits.com/locations/florida/st-johns), [Miami-Dade](https://merebenefits.com/locations/florida/miami-dade)): MA plan counts and premiums, $0-premium counts, star-rating distribution, county enrollment, D-SNP/C-SNP/I-SNP availability paired with CDC PLACES county health data, statewide Part D tables, Medigap basics, and enrollment windows. Every figure traces to the cited CMS/CDC source files.

## Blog
- [Blog index](https://merebenefits.com/blog): Plain-English articles on Medicare, ACA, and life insurance, with cited 2026 figures.

## Agent access
- MCP endpoint (JSON-RPC 2.0, POST): https://merebenefits.com/mcp. Tools: medicare_irmaa_estimate, medicare_part_b_penalty, medicare_part_d_penalty, medicare_enrollment_window, book_consultation. Read-only estimates (2027 Part D base premium; 2026 Part B and IRMAA until CMS publishes 2027 amounts), nothing stored. Manifest: https://merebenefits.com/.well-known/mcp.json
- Markdown: request any page with `Accept: text/markdown` to get its main content as markdown.

## Contact
- Phone/text: (904) 654-5450
- Email: info@merebenefits.com
- Office: 9428 Baymeadows Rd STE 137, Jacksonville, FL 32256