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Health Insurance Marketplace Affordability Program
The Health Insurance Marketplace Affordability Program lowers premiums and out-of-pocket costs for most people who get coverage on BeWell, New Mexico’s Health Insurance Marketplace. This program was established under New Mexico’s Health Care Affordability Fund and administered by the New Mexico Health Care Authority in partnership with BeWell. Browse and compare plans by clicking here.
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.
Clear Cost Plans
Clear Cost Plans have the same out-of-pocket costs for covered benefits, like primary care and generic medication coverage. That means the consumer does not have to compare each benefit individually, and they can focus on other important factors, such as:
- Plan Quality: the best benefits for the cost
- Network Coverage: which providers accept the consumer’s insurance
- Monthly premium: the monthly amount needed to be paid for health insurance
**NEW** Standardized health plan requirements for plan year 2026 (PY26)
BeWell’s Health Benefits Committee is seeking public comments on proposed PY26 updates to Clear Cost Plans, the standardized plans available only on BeWell.
You can view the proposed PY26 Clear Cost Plan designs and the PY26 actuarial value calculator screenshots.
Comments are due January 10, 2025 and may be sent to sheine@nmhix.com
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 BeWell, 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 BeWell.
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 BeWell.
Plan Year 2025 Materials
Final 2025 Health Insurance Marketplace Affordability Program Guidance
Plan Year 2024 Materials
2024 Health Insurance Marketplace Affordability Program Guidance
Plan Year 2023 Materials
2023 Health Insurance Marketplace Affordability Program Guidance