HEPA is typically just one type of filter with True HEPA as an offspring, MERV is a range which allows you to filter exactly what you need at the highest airflow. It really depends on what kind of pollution you have at your home.

If you just have a lot of dust then you want highest airflow possible (around MERV 9-10) if you want to filter things that cause allergies you need to go as high as MERV 14 since MERV 9-10 effectiveness is super low in that specific range.