The BeWell office is currently closed due to a neighborhood power outage. We will resume in-person operations on Wednesday, August 19, at 8:00AM
The BeWell office is currently closed due to a neighborhood power outage. We will resume in-person operations on Wednesday, August 19, at 8:00AM
If you need health insurance in 2027, now is the time to start checking your options. Your annual opportunity to sign up for a new plan is right around the corner. Open Enrollment is November 1, 2026, through January 15, 2027. During this period, eligible New Mexicans can sign up for coverage, renew a plan or choose a different one.
Already have a plan through BeWell? Open Enrollment is also the time to see what your coverage and costs will look like next year, as well as to explore the new plans available on the marketplace.
BeWell is New Mexico’s official health insurance marketplace. Our website helps New Mexicans compare health plans, check for savings and get free help with enrollment. Or, if you prefer to get help from one of our experts, you can schedule an in-person appointment, attend a virtual event or stop by our office throughout Open Enrollment.
Here is what you should know to prepare for this year’s Open Enrollment window:
Health insurance plans available through BeWell are a great option for new or different health insurance coverage if you:
This includes people who work for themselves, work jobs without health benefits, or people who expect their current health coverage to end.
Current BeWell customers should also review their plans. Your costs or coverage could change next year, and you may be able to find another BeWell plan that better suits your needs.
Gathering some key details ahead of time will make shopping and application for health coverage easier. You can browse and compare health plans without creating an account. The prices and savings shown while browsing are estimates. You need to complete an application to find out what plans and financial assistance you’re eligible to receive.
Make a list of the following for you and everyone else in your household:
You can use these details to check which plan will cover the health coverage you already know you need. If you can’t find some of that information or you aren’t sure about it, you can still get started and then ask BeWell for help finding out what you need.
Related: Read “Understanding the Plans Offered on the BeWell Marketplace”
Have these details ready when you log into BeWell’s application portal:
If you already have BeWell coverage, keep your renewal notice nearby. You may also be asked for documents to confirm information on your application. For insurance applications, “household” means you, your spouse and people you claim as dependents on your taxes. It does not mean everyone at your address.
HealthCare.Gov provides more detail about complex households and exceptions. A BeWell certified assister can also help you figure out who to include and how those choices will affect your family’s overall costs.
Financial assistance, sometimes called subsidies, can lower what eligible people pay for insurance. Premium assistance can lower your monthly premium, which might mean you can afford a plan with lower costs when you get covered care. Your income, household size and other details affect what subsidies you may qualify for.
New Mexico uses state funds to support additional help paying for health insurance. State lawmakers and the Governor have supported that funding as federal assistance has changed, making New Mexico the only state where lost federal tax credits are still 100% covered. Check your financial help options before assuming coverage is out of reach.
The plan with the lowest monthly premium may cost more when you need care. Check these details before choosing:
We use the terms Bronze, Silver, and Gold to describe how you and the plan share costs: you should not assume those words translate to “good”, “better” and “best”. You can also compare plan levels to explore Turquoise plans, which offer extra savings for eligible people, and Clear Cost plans, which use set costs for certain services to make comparison easier.
Once you have compared your options:
After enrolling, be sure to review your plan details. Watch for your insurance card and check with your insurance company if you have questions about future premium payments.
Related: Read “How to Complete Enrollment”
You may qualify for a Special Enrollment Period. This is a chance to sign up outside Open Enrollment because of certain life changes or other rules. For example, losing health coverage, getting married, or having a baby may qualify you. A BeWell Certified Assister can help you understand your options for getting coverage when you need it rather than waiting for the next Open Enrollment period.
Members of federally recognized Tribes can enroll through BeWell year-round. A BeWell plan can work alongside Indian Health Service and Tribal health care. Explore coverage options for Native Americans or ask a Native American Certified Assister for help.
Your options depend on your immigration status and other details. Some rules for federal financial help change in 2027, but some people who are no longer eligible for federal assistance may qualify for state assistance instead. Check current coverage options for immigrants and noncitizens and reach out to BeWell for help with your own situation.
It varies from plan to plan. Check your health plan’s details. Adult dental coverage may require a separate dental plan. BeWell also offers standalone dental plans, and enrollment in those plans is currently available year-round.
Yes. For example, some family members may qualify for Medicaid while others enroll through BeWell. An assister can help you check options for each person who needs insurance.
If you are unsure where to start, schedule a free appointment. Bring your questions and the information you have gathered and a BeWell expert will help you take the next step toward 2027 coverage.
A BeWell Certified Assister can help you complete the application, compare plans, check for financial help, and enroll. There is no charge for this service. Call 833-862-3935 or TTY 711 to schedule an appointment. You can also find an enrollment event where a Certified Assister can work with you in person.
