Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Not a government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
New Mexico moved to its own exchange, beWellnm, in 2021, and for 2026 it led the entire country in ACA enrollment growth at +15.4% — driven in large part by state premium assistance layered on top of the federal tax credit. About 82,000 residents enrolled in health or dental coverage, and roughly 88% qualify for some combination of federal and state premium help.
Every ACA marketplace plan sold in New Mexico is guaranteed-issue and covers pre-existing conditions, preventive care, prescriptions, maternity, mental health and the rest of the ten essential health benefits. Plans are grouped into metal tiers — Bronze (lowest premium, highest out-of-pocket), Silver (the tier subsidies are calculated against, and the only tier eligible for cost-sharing reductions), Gold and Platinum.
The premium tax credit is what makes marketplace coverage affordable. It's based on your household income relative to the cost of the benchmark Silver plan where you live, so two families with the same income can get very different credits depending on their ZIP code. A licensed agent runs that math with you before you enroll — there is no charge, and the plan price is identical to enrolling on your own.
If your income lands between roughly 100% and 250% of the federal poverty level, a Silver plan also unlocks cost-sharing reductions that quietly lower your deductible and copays. Most people never realize they're leaving that on the table by picking Bronze on price alone. That's the kind of thing a good agent catches.
New Mexico runs its own exchange, beWellnm, rather than using HealthCare.gov. That matters more than it sounds: state-based exchanges set their own Open Enrollment dates, can recognize special enrollment situations the federal marketplace does not, and sometimes administer state-only programs that have no federal equivalent. Check the beWellnm calendar rather than assuming the federal dates apply to you. New Mexico runs its own exchange, beWellnm, so residents enroll through the state rather than HealthCare.gov.
In New Mexico the premium tax credit does the work for households above roughly 138% of the federal poverty level; below it the state's Medicaid expansion picks up, and a single application screens for both. For the above-poverty reader the practical point is simply to estimate income accurately — over-shrinking it at application is what accidentally routes people to Medicaid instead of the subsidized plan they were after. New Mexico expanded Medicaid (Centennial Care) to adults up to 138% of the poverty line, and layers additional state premium assistance on top — so lower-income residents may qualify for no-cost coverage and subsidies reach further up the income scale.
The carriers writing individual business in New Mexico include Blue Cross Blue Shield of New Mexico, Presbyterian Health Plan, Molina Healthcare, UnitedHealthcare of New Mexico. Networks and pricing are set county by county rather than statewide, so the same carrier can be the best value in one metro and the wrong choice an hour away. We quote Albuquerque, Santa Fe and Las Cruces — and every county in between.
Don't see yours? Call a licensed agent — most answers take under two minutes.
Yes. We help New Mexico residents compare ACA marketplace options against the alternatives so you can see the real trade-offs before you enroll.
New Mexico led the nation in ACA enrollment growth for 2026 at +15.4%, largely because the state adds its own premium assistance on top of the federal tax credit — about 88% of enrollees qualify for some combination of the two. Many residents don't realize how much help is available; we'll check what you qualify for.
Through beWellnm, the exchange New Mexico runs itself — not HealthCare.gov. A licensed agent can enroll you in the same plans at the same price. Because New Mexico sets its own calendar, check the Open Enrollment dates against beWellnm rather than assuming the federal ones apply to you.
The carriers writing individual business in New Mexico include Blue Cross Blue Shield of New Mexico, Presbyterian Health Plan, Molina Healthcare, UnitedHealthcare of New Mexico. Which of them is actually competitive depends on your county rather than the state — the lineup and the networks in Albuquerque are not the lineup in Las Cruces. We are independent and compare across all of them rather than steering you to one company.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.