Individual Health Insurance
WHEN CAN I ENROLL?
BeWell NM is the current individual exchange for people living in New Mexico.
Currently, individual health insurance plans are offered without any pre-existing condition exclusions. There are no medical questions to answer. You can change plans every year during the open enrollment, November 1 through December 15. Plans go into effect on January 1 following the open enrolment period.
In addition to the annual open enrollment period, there are Special Enrollment Periods that allow you to enroll throughout the year. Generally, when one of these conditions applies, you have 60 days from the qualifying event to enroll in a plan. The following is a partial list of those qualifying events:
1. DIRECT WITH THE CARRIER
If you do not qualify for a Tax Credit, the easiest way to enroll is directly with the insurance carrier. This enrollment method does not require any financial information to be given to the carrier. Once you have determined which plan you wish to enroll in, it takes about 20 minutes for us to enroll you in the plan of your choice. Your enrollment will roll over from year to year.
2 WAYS TO ENROLL
2. THROUGH BEWELL NM
If you qualify for a Tax Credit, we will enroll you through BeWell NM's online portal. There is NOT a paper application. In order to enroll in a plan through BeWell NM you will need to provide an accurate estimate of your current year's income and SSN for all those enrolling. Enrollment in BeWell NM requires a meeting of approximately 1.5 hours. Enrollment will roll over year to year, but financial information will need to be updated each year.