Find Affordable Health Insurance In New Mexico

How To Get Health Care Insurance When You Are Not On An Employer’s Group Health Plan

Home 9 United States 9 New Mexico
state of new mexico image

Affordable Care Act Plans in New York

The Affordable Care Act (ACA) health insurance popularly known as Obamacare, offers medical coverage beyond doctor visits and surgical procedures. The majority of plans cover all or part of the cost of your prescribed drugs as well as other healthcare-related services including rehab, physical therapy, mental health care, and nursing home care.

What It Is: Traditional health care coverage like you would have through an employer. Provides coverage for pre-existing conditions.

Cost: $400 – 700/month, per person. The national average is $438.

Source: https://www.healthmarkets.com/content/health-insurance-cost-per-month

When Is Federal Open Enrollment?

During the Federal Open Enrollment period, you are eligible to enroll in an ACA health plan. This typically takes place every year from November 1 till January 15.

When Is New Mexico’s Open Enrollment Period?

New Mexico follows the yearly federal open enrollment period which runs from November 1 through January 15.

Special Enrollment Periods

You may sign up for an ACA health plan outside of the federal Open Enrollment within 60 days after a qualifying life event.

Types Of Qualifying Life Events:

  • Loss of health coverage. Losing existing health coverage, including job-based, individual, and student plans.
  • Changes in marital status (getting married/divorced)
  • Having a baby or adopting
  • Changes in residence. Moving to a different ZIP code or county

Temporary Medical Insurance In New York

During a gap in insurance coverage, a short-term health insurance plan can provide you with basic medical coverage. 

What It Is: These types of plans are for people in good health that do not need to treat pre-existing conditions.

Cost: Dependent on your age and state availability. Compared to ACA, these plans are very affordable.

Who Needs Temporary Health Insurance?

  • Individuals who missed the deadlines for the ACA exchanges and need to wait until the next enrollment period
  • Individuals who have a waiting period before enrollment in an employer’s health insurance or another program
  • People who are temporarily in between jobs or have been laid off
  • Self-employed individuals
  • People looking for a plan less expensive COBRA health insurance
  • Those needing temporary coverage:
    • College students or recent graduates
    • Young adults coming off their parent’s health benefit plan
    • Retirees waiting for Medicare eligibility
    • Coverage for dependents not covered under an employer plan

What Is COBRA Insurance?

The Federal COBRA Act provides workers and their eligible dependents with the opportunity to extend the coverage of their workplace health insurance if that policy would otherwise stop due to a qualifying event.

COBRA is provided for up to 18 months for employees and 36 months for families.

To start a COBRA plan, the employer who offered the work health insurance will provide enrollment information within 45 days of losing those benefits

What It Is: A continuation of your most recent employer group health plan.

Cost: $400 – 700/month, per person. National average is $438.

COBRA is provided for up to 18 months for employees and 36 months for families.

To start a COBRA plan, the employer who offered the work health insurance will provide enrollment information within 45 days of losing those benefits.

Low-Income Health Insurance In New Mexico

Centennial care Medicaid is offered in New Mexico to anyone under the age of 65 with incomes up to 138% of the federal poverty level. Children and pregnant women with higher incomes can get coverage. The elderly, the blind, and the disabled can also access Medicaid, though there are limits on their income and assets. Check yes.state.nm.us to confirm your eligibility

Reporting Health Insurance Fraud In New Mexico

Medicaid providers, such as hospitals, nursing homes, care facilities, laboratories, physicians, dentists, nurses, personal care aides, and therapists, commit fraud, which is investigated and prosecuted by the Medicaid Fraud Control Unit. Since the methods used by Medicaid providers to commit fraud are continuously changing, the Unit must adjust in order to protect the program that benefits so many New Mexicans.  To report Medicaid fraud in New Mexico visit report-Medicaid-fraud

One Stop Shop For Health & Wellness Benefits

Health Insurance, Short-Term, Accident, Vision, Dental, Life, ID Theft Protection
1-855-826-0030

Who We Are

Over four million people have obtained health insurance through our enrollment portals. With variety of products for customers to build an insurance plan specific to their needs, makes our offerings “smart” to have.

Our Major Carriers And Partners

Ameritas Logo