How to keep merged cells while inserting a new row in Excel sheet?

While inserting a new row to the merged cells, the newly inserted rows will be automatically merged with the merged cells as below screenshot shown. Do you know how to insert a row without merging in Excel?

Insert new rows and merge above

Insert new rows without merge

Insert new rows and merge

To insert new rows and merge above, you can right-click on the second-row number of the merged cells and choose Insert from the context menu. See screenshot:

Note: if the merged cells are across row5 and row 6, right click on row 6.

Then the new row has been inserted and merge above.

Insert new row without merge

If you want to insert a new row without merge, you just need to click on the first-row number of the merged cells and choose Insert from the context menu. See screenshot:

Then the row has been inserted above the merged cell.