Health Insurance Plans in Santa Fe County, New Mexico (2026)
25 ACA marketplace (Obamacare) plans are available in Santa Fe County, NM, from 4 insurers. The cheapest plan starts at $473.73/month before subsidies.
That ranks 4th lowest of the 5 county areas we track in New Mexico, 7% above the statewide median of $444.73.
Last updated: October 5, 2026 · Source: Official Marketplace Data · How we calculate this
Covers Santa Fe, Edgewood and Española.
25
Plans Available
$473.73
Cheapest Plan/mo
4
Insurers
beWellnm
Exchange
Insurers With the Cheapest Plans in Santa Fe
Plans Available in Santa Fe
Sorted by monthly premium · 30-year-old · Before subsidies
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 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 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 Plan
$660/mo
Eligible for CSR cost reductions
Deductibles & Out-of-Pocket Limits in Santa Fe
The premium is what you pay monthly; the deductible is what you pay before the plan starts sharing costs, and the out-of-pocket maximum is the most you can pay in a year. A cheaper premium usually means a higher deductible.
| Metal tier | Plans | Typical deductible | Deductible range | Typical out-of-pocket max |
|---|---|---|---|---|
| Bronze | 2 | $7,000 | $6,000–$8,000 | $10,150 |
| Silver | 11 | $4,800 | $1,800–$7,000 | $9,300 |
| Gold | 12 | $3,000 | $350–$4,000 | $7,000 |
Typical is the middle plan in each tier, not an average, since one $0-deductible variant would otherwise drag the figure below anything on offer. Silver plans can carry much lower deductibles than shown if you qualify for cost-sharing reductions. Check what you qualify for.
$0 and low-cost health insurance in Santa Fe County
At $23,940 a year (150% of the poverty level), the cheapest Bronze plan in Santa Fe County costs a 40-year-old $35 a month or less after the premium tax credit.
| Age | Income $23,940 (150% of poverty level) | Income $31,920 (200% of poverty level) |
|---|---|---|
| 30 | $40 or less | $132 or less |
| 40 | $35 or less | $127 or less |
| 60 | $0 (2+ plans) | $72 or less |
Medicaid: New Mexico expanded Medicaid, so adults earning up to 138% of the poverty level ($22,025 a year for one person, $45,540 for a family of four) usually qualify, and can apply any time of year.
New Mexico adds its own help: Marketplace Affordability Program. Who qualifies
2026 premiums in Santa Fe County, scaled by age with the CMS age curve; the credit uses the 2026 IRS percentages. "Or less" and "+" are because the credit is based on the second-cheapest Silver plan and only the cheapest plans are counted, both of which can only make the real figure better. Federal credit only, non-smokers. Income limits · Calculate your own credit
Nearby Counties in New Mexico
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More New Mexico Health Insurance Guides
Health Insurance in New Mexico
Compare New Mexico's lowest-premium plans. See how Santa Fe's $473.73/mo starting premium compares to the statewide picture.
View statewide plans Get a QuoteSee Your Actual Price
Enter your ZIP, age, and income for Santa Fe to see subsidy-adjusted prices.
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 4 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, ~$22,025/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 (November 1 to 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 Bronze plan.
What is the cheapest health insurance option in NM for 2027?
The cheapest ACA option in NM for 2027 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.
How do I get health insurance in New Mexico?
To get health insurance in New Mexico, enroll in an ACA Marketplace plan through beWellnm during Open Enrollment, which runs November 1 through January 15. Plans start at $473.73/month before subsidies. You need your ZIP code, household size, and estimated annual income to apply. Outside Open Enrollment you need a Qualifying Life Event (job loss, marriage, birth, or a move) to enrol through a Special Enrollment Period.
What is the best health insurance in New Mexico?
There is no single best health insurance plan in New Mexico; total annual cost depends on your doctors, prescriptions, and how much care you use. Policymage does not recommend plans. It lets you compare 25 New Mexico plans on premium, deductible, network, and quality rating. Total annual cost is the premium × 12 plus your expected deductible and copays. Cost-Sharing Reductions lower deductibles and copays for incomes between 100% and 250% FPL, and apply only to Silver plans.
How much is health insurance in New Mexico per month?
Health insurance in New Mexico starts at $473.73 per month for a Bronze plan for a 30-year-old, before subsidies. Most residents who qualify for APTC tax credits pay considerably less, and some pay $0/month for a Bronze plan. Your exact monthly cost depends on age, county, household size, and tobacco use.
How do I get free health insurance in New Mexico?
Free or near-free coverage in New Mexico comes from two routes. Medicaid covers adults earning up to 138% of the Federal Poverty Level (roughly $22,025/year for an individual), and you can apply year-round. Above that, APTC subsidies bring many Bronze Marketplace plans to $0/month for New Mexico residents on lower incomes.
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 health insurance cost in New Mexico?
Health insurance in New Mexico starts as low as $473.73/month for a 30-year-old on a Bronze plan 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 $22,025/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 credits cover household income from 100% to 400% of the Federal Poverty Level: about $15,960 to $63,840 a year for an individual, or $33,000 to $132,000 for a family of 4. Below 138% FPL most adults qualify for Medicaid instead. Above 400% FPL there is no credit in 2027: the enhanced rules that removed that limit expired after 2025. Use the beWellnm subsidy calculator for your exact estimate.
Does New Mexico have its own health insurance subsidy?
Yes. Marketplace Affordability Program: New Mexico pays state premium assistance on top of the federal credit at nearly every income level through June 30, 2027, through BeWell. Enrollees with income from 100% to 400% of the poverty level may also qualify for Turquoise plans, which have lower out-of-pocket costs. This is in addition to the federal premium tax credit.
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 $1,700 (individual) or $3,400 (family), and you can contribute up to $4,400 (individual) or $8,750 (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). Out-of-network costs can exceed the premium difference between plans.
Compare Plans in Santa Fe
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