Individual Health Insurance Options

For those who don't have other health insurance coverage, there are three options on the market:

  • Individual Coverage Direct
  • ACA Coverage - BeWell NM
  • Medicaid

We can help guide you through your options and determine your eligibility! See the slide deck below to review some information on each option to see what might be the option for you:

Carrier Direct Individual Coverage

  • A good option for someone who doesn't have employer sponsored coverage or is a small business owner and makes too much to qualify for subsidies
  • Less information captured in the enrollment process
  • Direct billing to whoever administrates your benefits
    • Blue Cross Blue Shield Plan direct? Pay through Blue Cross Blue Shield.
    • Presbyterian Plan direct? Pay through Presbyterian.

BeWell NM Coverage

  • Has opportunities for subsidized monthly premiums
    • Up to 400% of the Federal Poverty Level (FPL)
    • Available to anyone who doesn't have access to other Minimum Essential Coverage (MEC)
      • MEC is Medicaid or any employer sponsored plan whose premium is less than 9.02% of your annual income.
      • Just because you have coverage through your employer does not mean you are automatically disqualified from subsidized plan options.
  • Has options for additional health plans based on income level
  • Includes a variety of SEPs (special enrollment periods)
  • Has an identical network to the individual direct plans by carrier
  • Offers additional carriers
    • Molina Health Care is only available to consumers who do not qualify for Medicaid through BeWell NM.

Scheduling an appointment to go over your options is simple!

  • Call, email, or text us to choose an hour time slot that works best for you
  • This appointment can be in person or over the phone
  • You don't have to make a decision that day