Health Insurance in Santa Fe County, NM — 2026 Plans & Premiums
25 ACA marketplace plans are available in Santa Fe County, NM, from 3 insurers. The cheapest plan starts at $473.73/month before subsidies.
25
Plans Available
$473.73
Cheapest Plan/mo
3
Insurers
beWellnm
Exchange
Insurers Serving Santa Fe
Plans Available in Santa Fe
Sorted by monthly premium · 30-year-old · Before subsidies
Blue Cross and Blue Shield of New Mexico Blue Community Bronze HMO℠ 603 - On Exchange HDHP HSA Eligible
Blue Cross and Blue Shield of New Mexico
$473.73/mo
Ded: $6,000
Blue Cross and Blue Shield of New Mexico Blue Community Bronze HMO℠ 201 - On Exchange HDHP HSA Eligible
Blue Cross and Blue Shield of New Mexico
$481.66/mo
Ded: $8,000
Presbyterian Health Plan, Inc Gold Select $3,400 w/Gym with Limited Service Area
Presbyterian Health Plan, Inc
$510.56/mo
Ded: $3,400
Presbyterian Health Plan, Inc Silver Select $7,000 w/Gym with Limited Service Area
Presbyterian Health Plan, Inc
$517.17/mo
Ded: $7,000
Molina Marketplace Molina Gold On Exchange Low Cost Generic Rx
Molina Marketplace
$542.79/mo
Ded: $1,550
Presbyterian Health Plan, Inc PHP Clear Cost Gold with Limited Service Area
Presbyterian Health Plan, Inc
$561.56/mo
Ded: $3,000
Presbyterian Health Plan, Inc Gold $4,000 w/Gym
Presbyterian Health Plan, Inc
$580.02/mo
Ded: $4,000
Presbyterian Health Plan, Inc PHP Clear Cost Silver with Limited Service Area
Presbyterian Health Plan, Inc
$592.15/mo
Ded: $4,800
Average Premiums in Santa Fe
Avg Bronze Plan
$478/mo
2 plans
Avg Silver (Subsidy Benchmark)
$660/mo
Eligible for CSR cost reductions
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Compare plansFrequently asked questions about ACA insurance in New Mexico
What is the health insurance marketplace in New Mexico?
The New Mexico (NM) health insurance marketplace is beWellnm (https://www.bewellnm.com/), a state-based ACA exchange where residents compare and enroll in qualified health plans. Policymage lists 25 plans with live premium data. Open Enrollment runs November 1 through January 15.
How do I compare health insurance plans in New Mexico?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 3 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in New Mexico start from $473.73/month before subsidies.
Which Medicaid plan is best in New Mexico?
There is no single "best" Medicaid plan in New Mexico — Medicaid is administered through MCOs such as Blue Cross Blue Shield of New Mexico, Presbyterian Health Plan, Molina Healthcare. The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$21,597/year for an individual) is separate from ACA Marketplace plans at beWellnm. Apply year-round through your state Medicaid office.
Is short-term health insurance available in New Mexico?
Short-term health insurance is sold outside the ACA Marketplace in New Mexico by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at beWellnm during Open Enrollment (Nov 1–January 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in NM?
Health insurance in NM starts as low as $473.73/month for a 30-year-old on a Bronze plan before subsidies. Most New Mexico residents who qualify for APTC pay significantly less — some as low as $0/month for a Silver plan.
What is the cheapest health insurance option in NM for 2026?
The cheapest ACA option in NM for 2026 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan — both carry the lowest monthly premium in exchange for a higher deductible. Compare exact New Mexico plans and prices at policymage.com/get-quotes.
When does Open Enrollment end in New Mexico for ACA plans?
Open Enrollment for New Mexico residents runs from November 1 through January 15. New Mexico runs its own exchange (beWellnm), which set the January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does ACA health insurance cost in New Mexico?
Bronze-tier plans in New Mexico start as low as $473.73/month for a 30-year-old before subsidies. With APTC tax credits, many New Mexico residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does New Mexico use HealthCare.gov or its own state exchange?
New Mexico runs its own state-based Marketplace called beWellnm (https://www.bewellnm.com/). You enroll there directly — not at HealthCare.gov. Plan offerings, enrollment dates, and customer support are managed by New Mexico, not the federal government.
Has New Mexico expanded Medicaid under the ACA?
Yes. New Mexico has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $21,597/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window — you can apply year-round.
What are the income limits for ACA subsidies in New Mexico?
Premium Tax Credit eligibility starts at 100% of the Federal Poverty Level — about $15,650/year for an individual or $32,300/year for a family of 4. New Mexico residents above 400% FPL still qualify if benchmark Silver costs more than 8.5% of their income. Use the beWellnm subsidy calculator for your exact estimate.
What are the metal tiers in New Mexico (Bronze, Silver, Gold, Platinum)?
New Mexico ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in New Mexico?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in New Mexico through beWellnm. For 2026, HDHPs must have a deductible of at least $1,650 (individual) or $3,300 (family), and you can contribute up to $4,300 (individual) or $8,550 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do New Mexico ACA plans cover dental and vision?
New Mexico ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits — but adult dental and vision are not federally required. Most New Mexico plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through beWellnm or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in New Mexico?
Outside Open Enrollment, New Mexico residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through beWellnm.
How do I find in-network doctors and hospitals in New Mexico?
Each New Mexico ACA plan has its own provider network. Before enrolling, look up the plan on beWellnm, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). If you have an existing provider relationship, network match is usually more important than the lowest premium.
Find the Right Plan in Santa Fe
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