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New Mexico Health Insurance Quotes.

By completing the form above you will get a free comparative health insurance quote from national carries with local agents licensed to provide quotes in New Mexico. There is absolutely no obligating to purchase and the process is fast, easy, and FREE.

When you speak with your local agent remember to ask about Dental, Vision, Life and other ancillary products that are often available to health insurance policy holders at affordable rates.

Having health insurance can quite possibly save you a great deal of money. But to maximize the amount you can potentially save, you must compare health insurance benefits and rates. The best NM health insurance quotes are available here, to get started fill out our quote form and you can easily secure the cheapest insurance rates from top health insurance companies today.

New Mexico Health Insurance Information and Resources:

New Mexico Health Insurance Alliance.

If you are federally eligible, you are guaranteed the right to buy an approved health insurance plan through the Alliance without limits on New Mexico health insurance coverage for pre-existing conditions. If you had group New Mexico health insurance coverage through the Alliance and lost it, you can continue in your plan as an individual indefinitely. The Alliance offers four plan options—one HMO plan and three indemnity plans. Alliance plans cover hospital care, physician services, wellness care, prescription drugs, maternity care, mental health services, and other services. Once you enroll in an Alliance plan as an individual, you can change your benefit options annually on the anniversary date of your New Mexico health insurance coverage if you are federally eligible, you will not have a pre-existing condition exclusion period. If you lose your group New Mexico health insurance coverage that you had through an Alliance plan and elect to continue New Mexico health insurance coverage through that plan as an individual, you will not have a new preexisting condition exclusion period. Premiums will not vary because of your state of health. Alliance health insurance plan premiums for individuals are usually about 9 percent higher than premiums charged for similar New Mexico health insurance coverage sold to small business owners. You can remain enrolled in the Alliance as long as you pay your premiums. Unlike COBRA insurance, continuation New Mexico health insurance coverage in the Alliance lasts indefinitely.

New Mexico Medical Insurance Pool (NMMIP).

If you are federally eligible, you can buy health insurance from the NMMIP without limits on New Mexico health insurance coverage for pre-existing conditions. If you are not federally eligible, you can buy insurance from NMMIP if you are a New Mexico resident and can demonstrate proof of uninsurability. You are not eligible for NMMIP New Mexico health insurance coverage if you have terminated NMMIP New Mexico health insurance coverage within the past 12 months, if you are an inmate of a public institution, or if other New Mexico health insurance coverage has been terminated because of nonpayment or fraud. Family New Mexico health insurance coverage is available in the NMMIP the NMMIP offers New Mexico health insurance coverage with a choice of annual deductibles ($500, $1,000, $2,000, or $7,500). Benefits are the same under these options. If you are federally eligible, you will not have a pre-existing condition exclusion when you enroll in the NMMIP. If you are not federally eligible, NMMIP can exclude New Mexico health insurance coverage for your pre-existing condition for 6 months. Premiums will vary based on the plan you choose. NMMIP policies are renewable as long as you pay your premiums, continue to reside in New Mexico, and meet other eligibility requirements.

New Mexico Health Insurance Alliance.

If you are an employer with 2 to 50 eligible employees, you can buy health insurance from the Alliance. If you are self-employed and buying New Mexico health insurance coverage for yourself and at least one other family member, you can also buy health insurance from the Alliance. Small business owner and self-employed Family New Mexico health insurance coverage is available in the Alliance. The Alliance offers four plan options—one HMO plan and three indemnity plans. Alliance plans cover hospital care, physician services, wellness care, prescription drugs, maternity care, mental health services, and other services. If you are a small business owner or if self-employed enrolling with at least one other family member, the Alliance can exclude New Mexico health insurance coverage for your pre-existing condition for 6 months. If you are buying a small group New Mexico health insurance plan through the Alliance, you cannot be charged higher premiums because of the state of health of those in your group. Premiums for the Alliance usually are about 15% higher than premiums for similar plans typically sold to small business owners outside of the Alliance. Alliance group policies are guaranteed renewable as long as you pay your premiums and meet other eligibility requirements.