ACA Health Insurance > Break Down > Health Insurance in New Mexico
Health Insurance New Mexico | Your Friendly Guide to Affordable Coverage
From Albuquerque to Santa Fe—We’ve Got New Mexico Covered.
Hey there, New Mexico neighbor! Looking for health insurance in New Mexico? Whether you're new to the process or just exploring better options, we’re here to help you understand your choices—clearly, simply, and without the confusing fine print.
Why Should You Buy Health Insurance in New Mexico?
Life happens. From unexpected accidents to everyday prescriptions, having health insurance protects both your health and your wallet.
Why it matters in New Mexico:
Nearly 12% of New Mexicans under 65 are uninsured—one of the highest rates in the U.S.
Rural and tribal communities often face access barriers, making early and preventive care especially important.
ACA-compliant plans include free preventive services like screenings, vaccines, and checkups.
Even if you’re feeling healthy, having coverage gives you peace of mind and helps avoid crushing medical bills.
Types of Health Insurance Available in New Mexico
Marketplace Plans (ACA via BeWellnm)
New Mexico runs its own health insurance marketplace, BeWellnm, where you can compare ACA-compliant plans and apply for financial assistance.
Short-Term Insurance
Short-term health plans are limited in New Mexico but may be available in select situations. They're not ACA-compliant and offer basic, temporary coverage.
Medicare
Available to individuals 65+ or with qualifying disabilities, Medicare covers inpatient, outpatient, and prescription services, with optional add-ons.
Medicaid (New Mexico Medicaid)
New Mexico’s Medicaid program covers low-income adults, families, children, and those with disabilities through Centennial Care 2.0.
Private Insurance
You can also purchase plans directly from insurers or through an employer. We’ll help you compare every option in one place.
Compare plans based on price and benefits with us.
Is Health Insurance Required in New Mexico?
There’s no state-level health insurance mandate in New Mexico, and the federal penalty no longer applies—but going without coverage can still be costly.
Without insurance, even a minor illness or injury could lead to thousands in medical bills. Plus, you’ll miss out on preventive care and free screenings.
So while it’s not required by law, getting insured in New Mexico is a wise decision that protects both your health and your finances.
How Much Does Health Insurance Cost in New Mexico?
Monthly premiums depend on your income, age, family size, and location. The good news? Most New Mexicans qualify for premium tax credits through BeWellnm—and some also get state-funded cost-sharing help.
Some people pay $0/month after subsidies. Many others pay less than $75/month for solid, ACA-compliant plans. It only takes a few minutes to check your eligibility.
If you're on Medicare, costs vary by the type of coverage you choose—Original Medicare, Advantage, or a supplemental plan.
💡 Add a premium calculator here to help New Mexico residents estimate their monthly costs.
How to Pick the Right Health Plan for You
Here’s what to consider:
How often do you see a doctor?
Do you take any medications?
Do you want to stay with your current provider?
What’s your monthly and yearly healthcare budget?
Some New Mexicans go for low monthly costs, while others want stronger coverage with fewer out-of-pocket surprises.
If you’re unsure, our local agents can guide you step by step—and help you pick what’s best for your situation.
Our Health Insurance Services in New Mexico
Health insurance doesn’t have to be overwhelming. Our licensed agents help you every step of the way—explaining options and making the process easy.
Who We Help
We assist:
Freelancers, gig workers, and ranchers
Recent college grads
Seniors preparing for Medicare
Families navigating ACA and Medicaid
Anyone who’s tired of confusing paperwork
What We Offer
We help with:
BeWellnm enrollment
Private plan comparisons
Medicare and Medicaid support
Dual-eligible and special needs plans
Dental, vision, and prescription resources
And yes—we offer bilingual support in Spanish.
How to Get Started
Compare plans.
Speak with a licensed New Mexico agent (optional).
Enroll online or over the phone.
You’re covered—easy as that.
Most Affordable Health Insurance in New Mexico
These three ACA-compliant carriers offer some of the most affordable plans through BeWellnm:
Blue Cross and Blue Shield of New Mexico – A longtime provider with solid networks and flexible plan options.
Molina Healthcare – Known for affordability and support for families and individuals with Medicaid eligibility.
Presbyterian Health Plan – A local favorite offering affordable premiums and wide provider access.
We’ll help you compare coverage, pricing, and networks to find the perfect fit.
Top 3 Most Uninsured Cities in New Mexico
New Mexico has one of the highest uninsured rates in the country, especially in:
Las Cruces, NM – Gaps in employer coverage and high poverty rates contribute to lower enrollment.
Farmington, NM – Limited access to providers and plan confusion impacts rural residents.
Gallup, NM – Tribal communities face unique healthcare challenges and low insurance uptake.
Wherever you live in New Mexico, we’re here to help you get protected—simply and affordably.
Final Tip from Your Friendly Guide
Health insurance in New Mexico isn’t just about checking a box—it’s how you protect your health, your finances, and your future.
Whether you’re ready to enroll or still exploring options, our New Mexico-based team is here to help. Let’s get you covered today.
Just a heads-up! We looked at our own data to figure out the average health insurance prices as of January 2025. These numbers are just meant to give you an idea—your actual quote might be different depending on your personal situation.
Also, our lawyers want us to remind you: this info is general and doesn’t change what’s actually written in your real insurance policy, which can be different depending on where you live. It’s always a good idea to chat with your own trusted advisor if you have specific questions.
This post is just here to help you get helpful info and tips—not to replace real advice. Plus, if we mention anything from other people or companies, just know that’s their opinion, not ours. And remember, not all plans or discounts are available everywhere!