Open Your Window of Opportunity

Questions about eligibility? See our requirements below to learn if you are eligible for plan coverage through BeWell.

Open Enrollment starts November 1st and ends January 15th. In order to enroll in a health insurance plan with BeWell during Open Enrollment you:

• Must reside in New Mexico
• Do not have health insurance through your job or a parent’s job
• Are not eligible for Medicaid or Medicare
• Are not incarcerated

Some people qualify for a special enrollment period that allows them to enroll in a health insurance plan through BeWell outside of the Open Enrollment period. This includes:

Native Americans – Members of federally recognized tribes can enroll in coverage any time of year. Members can also change plans as often as once a month. Learn more about coverage for Native Americans.

Low income people – If your household income is below 200% of the federal poverty level and you aren’t eligible for Medicaid or the Children’s Health Insurance Program, you can enroll at any time. Learn more about coverage for people with low incomes.

People who are turning 26 – If you are turning 26 and are aging out of a parent’s health insurance plan, you can enroll in a plan through BeWell. You have two options:

• You can take your special enrollment period with BeWell either 60 days before you turn 26 or 60 days after. Enrolling by the end of the month before you turn 26 will ensure there is no gap in coverage.

• If you are already enrolled in a parent’s plan when you turn 26, you can keep their plan through the end of the coverage year. If you want to start your own plan when you turn 26, contact us to request a special enrollment period between 60 days before you turn 26 or within 60 days into the renewal year. To make sure you do not have gap in coverage, shop and enroll in new BeWell coverage by December 31.

Note: If a change is reported to your parent’s BeWell account before September 2024, you may need to start your coverage through BeWell the first of the following month.

People who have experienced a qualifying life event – Certain life changes may allow you to enroll in coverage outside of the Open Enrollment period. If you have a qualifying life event, you may be able to enroll in a health plan during a 60-day special enrollment period. Qualifying life events include:

• Getting married or divorced
• Having a baby or adopting a child
• Moving to a new area
• Loss of job-based health insurance for any reason
• Loss of eligibility for Medicaid
• Loss of COBRA coverage
• Loss of health insurance because you have aged out of a parent’s plan (see above for more details)
• Gaining citizenship or lawful presence in the United States
• A change in your income or household members may qualify you

If you’re not sure if you qualify for a special enrollment period contact us or schedule a free appointment with a certified assister.

Our carriers offer a range of coverage options so you can choose the plan that best fits your needs!

All health plans offered through BeWell provide all 10 of the essential health benefits, which include:

• Ambulatory patient services
• Emergency Services
• Hospitalization
• Maternity and newborn care
• Mental health and substance use disorder services, including behavioral health treatment
• Prescription drugs
• Rehabilitative and habilitative services and devices
• Laboratory services
  Preventive and wellness services and chronic disease management
• Pediatric services, including oral and vision care

Learn about all the different types of financial assistance BeWell has to offer and how you can qualify!

BeWell is the only place where you can qualify for subsidies that can significantly reduce the cost of health insurance. More than 50 percent of uninsured New Mexicans qualify for a free or low-cost health insurance plan. Learn more about the financial assistance available.

View our full list of insurance carriers and get information on each one!

BeWell offers health insurance through the following carriers:

• BlueCross BlueShield of New Mexico
• Ambetter from Western Sky Community Care
• Best Life
• Molina Healthcare
• Presbyterian
• United Healthcare

You can learn more or browse our plans here.

Sometimes sitting down to fill out paperwork can be overwhelming. Our pre-enrollment checklist makes it easier! 

Before joining an event, the first step is to verify that you are not eligible for Medicaid. The easiest way to do this is through the New Mexico Heath Care Authority (HCA). You can call them at 800-283-4465 or chat via text on their website. 

It’s also a good idea to gather some important documents. These include family and health details, as well as work and tax information. Our handy pre-enrollment checklist shows you what your Certified Assister will need to help you find the best plan. 

We offer a range of free help options to answer questions and provide assistance getting enrolled!

If you need help enrolling in a plan or understanding the financial assistance that is available, schedule an appointment with a certified assister or enrollment counselor. This free help is available to all New Mexicans.

Our BeWell team members are out in the community throughout the year. At our enrollment events, you can speak to a certified assister who will help you enroll in a plan on-site. View our upcoming enrollment events here.