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The Health Insurance Marketplace Affordability Program lowers premiums and out-of-pocket costs for most people who get coverage on beWellnm. This program was established under New Mexico’s Health Care Affordability Fund. The program is administered by the New Mexico Office of Superintendent of Insurance in partnership with beWellnm. See how much you can save at https://getcovered.bewellnm.com/individual/

Want to do a quick income check to see if you may qualify for savings? Click here

New Mexico Premium Assistance

New Mexico Premium Assistance lowers monthly premium payments for most New Mexicans who qualify for federal Premium Tax Credits.

Turquoise Plans

Turquoise Plans give you the most savings on out-of-pocket costs like deductibles, copays, and coinsurance.  That puts more money in your pocket, giving you the health care you need at a cost you can afford. You can only get Turquoise plans on beWellnm.com. Click here to see if you may qualify.

Medicaid Transition Premium Relief

Moving from Medicaid to new health coverage can be difficult. New Mexico wants to make it easier. If you lose Medicaid eligibility and qualify for federal Premium Tax Credits on beWellnm, you may be eligible to have your first month’s premium covered. Click here to learn more. If you qualify, your first month’s premium will automatically be covered when you enroll in coverage through beWellnm.

Native American Premium Assistance

In addition to the New Mexico Premium Assistance Program, members of federally-recognized tribes who qualify for federal Premium Tax Credits may also qualify for $0 coverage options from each of the insurers offering coverage on beWellnm.

Materials Published in 2024

Final 2025 Health Insurance Marketplace Affordability Program Guidance

• 2025 Plan Year Health Insurance Marketplace Affordability Program Policy and Procedures Manual FINAL
• 2025 Plan Year Marketplace Affordability Program FAQs for Issuers (Updated April 26, 2024)
• 2025 Plan Year BeWell Clear Cost Plan Requirements FINAL
• 2025 Plan Year BeWell Clear Cost Plan AV Calculator Screenshots FINAL (Downloads Excel File)
• Non-AVC Clear Cost Benefits Co-Pay Category (Downloads Excel File)

Materials Published in 2023

2024 Health Insurance Marketplace Affordability Program Guidance

• 2024 Plan Year Health Insurance Marketplace Affordability Program Policy and Procedures Manual (FINAL)
• 2024 Plan Year Marketplace Affordability Program FAQs for Issuers (Updated May 10, 2023)
• 2024 Plan Year Supplemental SOPA Template (Downloads Excel file)
• 2024 Plan Year Standardized Health Plan Requirements
• 2024 Plan Year Standardized Health Plan AV Calculator Screenshots (Updated May 10, 2023) (Downloads Excel file)

Final 2023 Plan Year SOPA Reconciliation Guidance for Health Insurance Issuers

1. Final SOPA Reconciliation Guidance (Version 2)
2. OSI Responses to Carrier Questions Following Jan 2023 SOPA Reconciliation Training – Mar 2023
3. Template A – Issuer and Plan Level SOPA
4. Template B – Policy Level SOPA-Reconciliation
5. Template C – SOPA Request for Reconsideration
6. Attestation Form A – EHB Inclusion
7. Attestation Form B – EHB Inclusion
8. Attestation Form C – Simplified Methodology Forms

Materials Published in 2022

Health Insurance Marketplace Affordability Program Information for the 2023 Plan Year

• Presentation for Assisters and Producers (October 2022)

2023 Health Insurance Marketplace Affordability Program Guidance

• 2023 Plan Year Health Insurance Marketplace Affordability Program Policy and Procedures Manual FINAL
• Marketplace Affordability Program FAQ for Issuers (Updated April 4, 2022)
• Bulletin 2022-022 – MAP Payment Process
• How reporting income changes after Open Enrollment could affect Turquoise Plan eligibility