Key Facts: New Mexico Health Insurance
- Medicaid Expansion Expanded (2014)
- Marketplace Type State-Based (beWellnm)
- Medicaid Program Centennial Care
- Open Enrollment Nov 1 - Jan 15
- Uninsured Rate ~10%
Medicaid in New Mexico (Centennial Care)
New Mexico's Medicaid program is called Centennial Care, managed through the Human Services Department (HSD). As an expansion state, New Mexico provides coverage to more residents than non-expansion states.
Who Qualifies for Centennial Care?
You may qualify for Centennial Care if you meet these requirements:
- New Mexico resident
- U.S. citizen or qualified immigrant
- Income at or below 138% of the Federal Poverty Level (FPL)
Income limits for 2025:
| Household Size | Annual Income Limit |
|---|---|
| 1 person | $20,783 |
| 2 people | $28,208 |
| 3 people | $35,632 |
| 4 people | $43,056 |
How to Apply for Centennial Care
You can apply for Centennial Care year-round through:
- Online: YES New Mexico portal at yesnm.gov
- Phone: Call 1-855-637-6574
- In-person: Visit your local Income Support Division (ISD) office
- Through beWellnm: The state exchange can help determine eligibility
Health Insurance Marketplace: beWellnm
New Mexico operates its own state-based exchange called beWellnm. Launched in 2021, beWellnm gives New Mexico more control over health insurance options and provides dedicated local support.
2025 Open Enrollment Period
For coverage starting in 2025:
- Open Enrollment: November 1, 2024 - January 15, 2025
- Deadline for January 1 coverage: December 15, 2024
Special Enrollment Periods
You may qualify to enroll outside open enrollment if you experience a qualifying life event:
- Loss of other health coverage
- Marriage, divorce, or domestic partnership
- Birth or adoption of a child
- Moving to New Mexico from another state
- Change in household income affecting subsidy eligibility
Insurance Companies on beWellnm
Insurers offering marketplace plans in New Mexico include:
- Blue Cross Blue Shield of New Mexico
- Molina Healthcare
- Presbyterian Health Plan
- True Health New Mexico
Getting Help with beWellnm
- Website: beWellnm.com
- Phone: 1-833-862-3935
- In-person: Certified enrollment counselors available statewide
Average Health Insurance Costs in New Mexico
Health insurance costs in New Mexico vary based on your age, location, plan type, and tobacco use. Here are typical 2025 costs:
| Plan Type | Average Monthly Premium |
|---|---|
| Bronze | $300 - $380 |
| Silver (Benchmark) | $400 - $500 |
| Gold | $480 - $580 |
Cost Factors in New Mexico
- Location: Rural areas may have fewer plan options and higher costs
- Age: Premiums increase with age (up to 3x for older adults)
- Tobacco: Smokers may pay up to 50% more
- Plan level: Bronze (lower premiums, higher deductibles) vs. Gold (higher premiums, lower deductibles)
Frequently Asked Questions
What is beWellnm?
beWellnm is New Mexico's state-based health insurance exchange where residents can shop for and enroll in ACA-compliant health plans. It replaced the federal marketplace in 2021, giving New Mexico more control over plan offerings and consumer assistance.
Did New Mexico expand Medicaid?
Yes, New Mexico expanded Medicaid in 2014. Adults earning up to 138% of the federal poverty level ($20,783 for an individual in 2025) may qualify for Centennial Care, New Mexico's Medicaid program.
When is open enrollment for beWellnm?
Open enrollment for beWellnm typically runs from November 1 through January 15. New Mexico often extends enrollment deadlines, so check beWellnm.com for the latest dates. Medicaid enrollment is available year-round.
How much does health insurance cost in New Mexico?
Average monthly premiums for a Silver plan in New Mexico range from $400-500 before subsidies. Most New Mexicans qualify for substantial premium tax credits. Those earning under 150% FPL may pay $0 for coverage through enhanced subsidies.
Need Help Finding Coverage in New Mexico?
Our licensed agents specialize in helping New Mexico residents navigate beWellnm and find the right plan. Free, no-obligation guidance.
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