Find Affordable Coverage in New Mexico
Licensed agents compare all New Mexico Marketplace plans at no cost to you. See your subsidy in 2 minutes.
Compare New Mexico ACA Plans →* Referral compensation may apply. Cost to you: $0.
New Mexico ACA Marketplace Overview
In 2026, approximately 85,000 New Mexico residents are enrolled in ACA Marketplace coverage. New Mexico uses its own state-run exchange for health insurance enrollment.
New Mexico has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in New Mexico?
The benchmark Silver plan (second-lowest-cost Silver plan) in New Mexico costs approximately $368/month before subsidies in 2026. However, most New Mexico residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for New Mexico households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your New Mexico household income.
Top ACA Health Insurance Companies in New Mexico
The following carriers offer ACA Marketplace plans in New Mexico for 2026:
- Blue Cross Blue Shield NM
- Presbyterian Health
- Molina
Plan availability varies by county in New Mexico. Use beWellnm to see exact plans available in your ZIP code.
ACA Plan Tiers Available in New Mexico
- Bronze: Lowest premiums, highest deductibles. Best for healthy New Mexico residents who rarely need care.
- Silver: Mid-range. Strongly recommended for New Mexico households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for New Mexico residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most New Mexico counties.
When to Enroll in New Mexico
- Open Enrollment: November 1 – January 15 on beWellnm
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
New Mexico Insurance Resources
- beWellnm — Official New Mexico enrollment portal
- New Mexico Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit