Meet Heidi Merchant

From starting a piano studio while in high school all the way through earning a Master's Degree in Educational Administration, and many years in public education, I am excited to bring my passion to join and serve Merchant Insurance Solutions clients. It is a privilege to provide clarity and confidence in making these important insurance decisions while educating people of all ages on their health benefits and options throughout their life.

I look forward to serving Merchant Insurance Solutions clients with a full range of health insurance solutions tailored to meet their personal needs. Our offerings include Medicare, Medicare Advantage Prescription Drug Plans (Part C), stand-alone Prescription Drug Plans (Part D), Medicare Supplement (Medigap) policies, and ACA Marketplace plans — providing comprehensive coverage options for every stage of life. We also offer hospital indemnity, dental, vision, and hearing plans, as well as short- and long-term care and cancer insurance to help safeguard your health and financial well-being. With primary locations in Celina and Sherman, Texas, we make it easy to connect with us. Appointments can be scheduled by phone or email, and we're happy to meet you at a location that's most convenient for you.

I work with Empower Brokerage, a national brokerage firm, which gives me training and support from agents with decades of combined experience in Medicare and health insurance — so when you work with me, you're getting guidance backed by that experience, not just my own.

Licensing

Licensed Insurance Agent — NPN: 21632216
Currently licensed in Arizona, Texas, Oklahoma, Georgia, and Ohio, with the ability to become licensed in additional states as needed to serve you.

Why Work With an Independent Agent?

An independent agent works for you — not for one insurance company. Here's what that means when you work with me:

• Access to 27+ carriers. I compare plans across the top names in Medicare and health insurance, so you see your real options instead of a single company's lineup.
• Unbiased recommendations. I'm not tied to any one carrier, so my advice is based on what fits your health needs and budget — not a sales quota.
• No cost to you. I'm compensated by the insurance carriers, not by you. Working with an independent agent is free.
• One point of contact. Instead of researching plans on your own or calling multiple companies, you have one local resource for questions, comparisons, and enrollment.
• Support that doesn't end at enrollment. I'm here for plan reviews, questions about your coverage, and changes to your needs year after year — not just during sign-up.