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10 Essential Health Benefits

BeWell employee sitting at a BeWell table at CNM waiting to speak to college students

4 Ways to Get Health Insurance Help in Your Community

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5 Health Insurance Facts for College Students to Know

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A Different Kind of Buzz: Small Business, Rooted in Wellness

About

Access a Locked Account

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Adjust Tax Credit Amount

Brand Glow-Up Reveal: Say Hello to the New BeWell!

Browse and Compare Health Insurance Plans

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Browse In-Network Providers

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Can You Get Health Insurance on an F1 Visa? Answers to FAQs

Cancel Coverage

Change APTC

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Check for Savings

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Clear Cost Plans: Health Insurance Shopping Just Got Easier

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Complete Enrollment

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Confirm a Life Event

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Confirm No Qualifying Coverage

Create a BeWell Account

Dealing with Summer Wildfire Smoke? Tips to Breathe Easier

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Decide About Job-Based Coverage

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Do I Have to Take Health Insurance from My Job?

Do I Need Small Business Health Insurance?

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Enrolled… Now What?

Estimate Household Income

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FAQs About Form 1095-A and Filing Your Tax Return

Federal and State Policy Changes

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Federal Poverty Level Chart

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File an Appeal

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File Taxes if You Get Premium Tax Credits

Person using the SLCSP Calculator on the BeWell website while holding a 1095-A form and 8962 form.

Filing Your Taxes if You Have a Plan with BeWell

Fill out the Application

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Find a Plan's Essential Benefits

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Find Coverage For Kids

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Find Free Help

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Find Gender-Inclusive Coverage

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Fix a Request for Information

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Fix an Error in Death Reporting

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Gen Z Guide to Getting Affordable Health Insurance

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Get a Plan if I'm Self-Employed

Get a Plan if I'm Unemployed

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Get Answers to Your Health Insurance Questions

Get Copies of Insurance Cards

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Get Coverage for Native Americans

Get Coverage for Non-Citizens & Immigrants

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Get Coverage for Small Business Owners

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Get Coverage for Veterans

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Get Coverage for Young Adults

Get Coverage in College

Get Covered if I Have Disabilities

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Get Covered Outside of Open Enrollment

Get Dental Coverage

Get Financial Assistance

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Get Financial Assistance

Get Medicaid or Financial Help

Get Options for Retirees

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Get Started

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Glossary of Health Insurance Coverage Terms

Go Paperless

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Health Insurance for Non-Citizens and Immigrants

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HMO vs. PPO: Which Provider Network Fits Your Needs?

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How a Job Change Impacts Your Insurance Plan

How BeWell Works Hard for You Behind the Scenes

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How Native Americans Can Get Free to Low-Cost Health Insurance in 2026

How Noncitizens and Immigrants in New Mexico Can Get Health Insurance

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How to File an Appeal

How to Read Your Summary of Benefits and Coverage

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Individuals and Families

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Is Obamacare the same as BeWell?

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Join Our Assistance Network

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Know the ABCs of Health Insurance Shopping!

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Learn About Your Health Plan

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BeWell employee sitting down with a customer to discuss their health care options

Lost Medicaid? Get Affordable Health Insurance at an Enrollment Event!

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Lost Your Medicaid Coverage? We’ll Help You Replace It With Affordable Health Insurance

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Moving Off the Pueblo? See How Native Americans Benefit from Having Health Insurance

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Native American Assisters

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Native American Health Insurance Coverage: Weighing Your Options

Native Americans

Navigate Your Dashboard

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Need Insurance? A Guide to Understanding Your Enrollment Options

Certified Assister Miranda Tso stands in front of BeWell signage. There is an orange glow to the background. Miranda wears a black zip-up jacket, black pants, and glasses.

Neighbors Help Each Other: A Certified Assister’s Story of Connecting New Mexicans with Health Insurance

Open Enrollment Report

Policies and Procedures

PY26 Monthly Report

Inside the Santa Fe Roundhouse, Senate Chamber

Raise Your Voice! Tips to Talk with State Legislators About Health Insurance Costs

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Renew Your Plan

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Replace Job-Based Coverage

Report a Death

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Report Household Income

Reset My Password

Reviews From Our Community

Schedule An Appointment

10 Essential Health Benefits

All health insurance plans offered through BeWell have a minimum requirement of a core set of benefits, called essential health benefits (EHBs). EHBs must include items and services within the following...

4 Ways to Get Health Insurance Help in Your Community

Between unfamiliar terms and all the different plans, enrolling in health insurance or updating your plan can be overwhelming. But with BeWell, you’re not alone—and our helpful team members are closer...

5 Health Insurance Facts for College Students to Know

Managing your budget as a college student can be tricky—especially if you don’t have a steady job and are not earning regular income. Paying for health insurance probably isn’t top on your list of priorities,...

A Different Kind of Buzz: Small Business, Rooted in Wellness

For over 15 years, Ryan Brown worked in the Albuquerque bar and nightclub scene, honing his skills in the art and science of mixology. While he loved the creativity of crafting cocktails, he saw the toll...

About

Bruce Gilbert Chief Executive Officer A Letter From Our CEO Bruce Gilbert Chief Executive Officer Hello, I first want to thank you for coming to BeWell and exploring your...

Access a Locked Account

Adjust Tax Credit Amount

https://youtu.be/JFZXHIQYK_c If you get Advance Premium Tax Credits (APTC), the full amount you qualify for is automatically applied to your monthly health insurance premium. If you prefer to use less...

Brand Glow-Up Reveal: Say Hello to the New BeWell!

https://www.youtube.com/watch?v=Jpo8y2DMPCo Welcome to the new BeWell brand and website! We’re the same team with the same quality service you depend on—but better. And more focused on you! Our new site...

Browse and Compare Health Insurance Plans

Browse Plans https://youtu.be/Yon_AZXDAQY You can watch the video tutorial or follow the written steps below to complete the process. You can shop anonymously for health and dental plans and check your...

Browse In-Network Providers

When you shop for a health insurance plan through BeWell, you can find out whether your current doctor or specialist is in-network. Follow these steps: Go to the BeWell portal and click “Browse Health...

Can You Get Health Insurance on an F1 Visa? Answers to FAQs

If you have an F1 visa, you’re probably already navigating a complex mix of classes, grades and campus maps in your new environment. Life as a student can be overwhelming—but finding health insurance...

Cancel Coverage

https://youtu.be/MYhOd9JLtMc You can watch the video tutorial or follow the written steps below to complete the process. You can choose to cancel your coverage at any time if you’re getting other health...

Change APTC

Check for Savings

https://youtu.be/NotlymSz0Iw You can watch the video tutorial or follow the written steps below to complete the process. You may have gotten a message asking you to give BeWell permission to check your...

Clear Cost Plans: Health Insurance Shopping Just Got Easier

Have you ever bought clothes online? It’s hard to know by the picture or description that what you order will fit when you get it home. Sometimes you luck out, but sometimes you get a chic jacket that’s...

Complete Enrollment

Enrolling in coverage takes more than just choosing a plan. To finish your enrollment, you’ll need to follow all the steps below: Anonymous Shopping (optional) Create an Account Complete an Application Choose...

Confirm a Life Event

To enroll in a health insurance plan outside of the Open Enrollment Period (OEP), you need to have a Qualifying Life Event (QLE). For example, getting married, having a baby or losing other health insurance...

Confirm No Qualifying Coverage

If you have another form of Minimum Essential Coverage (MEC), or Qualifying Health Coverage (QHC), you are not eligible for financial assistance through BeWell and might not be eligible for a plan through...

Create a BeWell Account

https://youtu.be/LEXIPRH3GUc To enroll in coverage through BeWell, you need to create an account. You can watch the video tutorial or follow these steps to set up your account: Click “Browse health &...

Dealing with Summer Wildfire Smoke? Tips to Breathe Easier

Summer heat and wildfire smoke often arrive together in New Mexico, making outdoor work and play less pleasant. High temperatures and poor air quality can also create serious health hazards, especially...

Decide About Job-Based Coverage

Do I Have to Take Health Insurance from My Job?

The short answer is no, you don’t have to enroll in your employer’s health insurance coverage. That said, if job-based health insurance is offered and affordable, it is usually a good option to cover your...

Do I Need Small Business Health Insurance?

If you own a small business or startup company, you may wonder what health insurance options are available and what you really need for coverage. From private to small business to short-term plans, there...

Enrolled… Now What?

So, You’re Enrolled in a Health Plan! Now What? Whew—you did it! You’ve enrolled in a health insurance plan through BeWell. That’s a great step toward taking care of your health. Now that the challenging...

Estimate Household Income

FAQs About Form 1095-A and Filing Your Tax Return

Federal and State Policy Changes

What are Congress and our state legislature doing, and how do the changes they make affect BeWell – and you? This page is your one-stop shop for high-level updates on changes that affect BeWell and our...

Federal Poverty Level Chart

BeWell provides health insurance options for those who do not qualify for Medicaid, Medicare, or insurance through an employer. BeWell and Medicaid both use the Federal Poverty Level (FPL) to determine...

File an Appeal

File Taxes if You Get Premium Tax Credits

Filing Your Taxes if You Have a Plan with BeWell

To access your tax information for filing 2025 taxes, you will need to log in to your account in our previous system. Visit our Manage Your 2025 Account page for login and account management. If you have...

Fill out the Application

https://youtu.be/4L8XYRbQsNU Once you have created an account you can begin your coverage application. Please note that shopping for plans and creating an account are not the same as applying for coverage....

Find a Plan's Essential Benefits

Find Coverage For Kids

Health insurance plans you enroll in through BeWell can cover individuals or families, including children. Newborns to adult children through age 26 can be covered under your health insurance plan. If...

Find Free Help

https://youtu.be/IwhKvDaiY84 This article shows you the two main ways you can find free help through scheduling an appointment with a certified assister on your BeWell portal or on our website. Option...

Find Gender-Inclusive Coverage

Fix a Request for Information

A Request for Information happens when BeWell cannot electronically verify information you submitted on your application. These are some common examples that might require additional information: Estimated...

Fix an Error in Death Reporting

Gen Z Guide to Getting Affordable Health Insurance

So, you’re about to turn 26 and guess what? Time to bid farewell to your parents’ health insurance plan. But there’s no need to panic! We’ve got your back. It’s important to plan early, so you aren’t left...

Get a Plan if I'm Self-Employed

You can apply for health insurance through BeWell if you are a freelancer, independent contractor, consultant, creator or other self-employed person. You are considered self-employed if you have a business...

Get a Plan if I'm Unemployed

If you are unemployed, you may be able to get an affordable health insurance plan through BeWell. Based on your income, household size and other factors, you may also be eligible for free or low-cost coverage...

Get Answers to Your Health Insurance Questions

Consumer Forms BeWell Paper Application (English) BeWell Paper Application (Spanish) BeWell Letter Of Explanation – Other Public Program (Non-ESI MEC) BeWell Carta De Explicación – Cobertura De Otro Programa...

Get Copies of Insurance Cards

Log in to your BeWell account to manage how you receive key messages—by text, email, or mail—and control the delivery of important documents, including your 1095-A tax form. You can also choose to go paperless...

Get Coverage for Native Americans

Get Coverage for Non-Citizens & Immigrants

Get Coverage for Small Business Owners

Get Coverage for Veterans

If you are a military veteran and do not have veterans’ healthcare, visit the US Department of Veterans Affairs website. You may qualify for VA coverage. If you do not qualify for VA coverage, or do not...

Get Coverage for Young Adults

Get Coverage in College

Get Covered if I Have Disabilities

If you have a disability, you may be able to get access to various health insurance options including Medicaid, Medicare or a health insurance plan through BeWell. If you do not have health insurance and...

Get Covered Outside of Open Enrollment

Get Dental Coverage

Get Financial Assistance

BeWell is the only place where you can qualify for subsidies to lower the cost of your monthly health insurance premiums. In fact, 50 percent of eligible New Mexicans pay $10 or less per month. Use our...

Get Medicaid or Financial Help

BeWell helps New Mexicans connect to the health insurance coverage that best meets their needs and budget. You have two options to apply. Apply Through BeWell Log in to your BeWell account. You will need...

Get Options for Retirees

For most retirees, it is a good idea to sign up for Medicare as soon as you are eligible (age 65). Once you are eligible for Medicare, you’ll have an Initial Enrollment Period to sign up for Medicare....

Get Started

Find a Plan, Apply and Get Covered At BeWell, we can help you find and enroll in an affordable, high-quality health insurance plan that meets your health and budget needs. BeWell is the only place where...

Glossary of Health Insurance Coverage Terms

This glossary provides general information. It defines medical terms you may see. It’s not a complete list. Your health plan may define these terms in your plan documents. Look at your plan documents for...

Go Paperless

https://youtu.be/moD2_htVURU Log in to your BeWell account to manage how you receive key messages—by text, email, or mail—and control the delivery of important documents, including your 1095-A tax form....

Health Insurance for Non-Citizens and Immigrants

Who is Eligible for Coverage? Immigrants and Non-Citizens Individuals who are lawfully present in the U.S. can get health coverage in New Mexico. This includes people who have been granted Temporary Protected...

HMO vs. PPO: Which Provider Network Fits Your Needs?

Ever wonder what the difference is between HMO and PPO? It’s a decision we all face when choosing a health insurance plan, but what are the differences, and which one is right for you and your family?...

How a Job Change Impacts Your Insurance Plan

Moving up the career ladder is exciting, especially if your new job comes with great benefits. But starting or leaving a job is a big life change—especially if it’s unexpected. Here’s the most important...

How BeWell Works Hard for You Behind the Scenes

BeWell has made some major changes over the past year. We refreshed our look and put more of an emphasis on you—our customers. With your health in mind, we have another exciting announcement to make:...

How Native Americans Can Get Free to Low-Cost Health Insurance in 2026

Need affordable health insurance? Get covered with BeWell. Native Americans living in New Mexico can get free to low-cost health insurance with BeWell. You could save hundreds of dollars on a high-quality...

How Noncitizens and Immigrants in New Mexico Can Get Health Insurance

Just over 9% of New Mexico’s residents are immigrants, or foreign-born noncitizens. If you are an immigrant legally residing in New Mexico, you may be eligible for health insurance coverage. Undocumented...

How to File an Appeal

If you don’t agree with a decision made by BeWell, you may be able to file an appeal. How Do I File an Appeal?For a 2026 insurance plan, you can file an appeal by following these steps: Log...

How to Read Your Summary of Benefits and Coverage

Adulting is hard. Understanding your health insurance plan doesn’t have to be! When you sign up for insurance, you are entitled to get a Summary of Benefits and Coverage (SBC). The SBC is a document that...

Individuals and Families

Your well-being matters, and so does your financial health. At BeWell, we are dedicated to connecting New Mexicans to affordable, high-quality health insurance. BeWell is New Mexico’s official health insurance...

Is Obamacare the same as BeWell?

We Both Help You Find Affordable Health Insurance Alternatives Obamacare and BeWell both exist for the same reason: to help connect everyone in the U.S. with affordable health insurance alternatives. But...

Join Our Assistance Network

BeWell’s Assistance Network includes certified brokers, agents, and enrollment counselors who help New Mexicans understand, shop for, and enroll in health coverage. Certification through BeWell provides...

Know the ABCs of Health Insurance Shopping!

Health insurance companies use specialized language to describe their services. While it’s intended to help people compare plans, the terminology can be confusing. If shopping for health insurance makes...

Learn About Your Health Plan

After You Enroll, Review These Things Once you’ve enrolled in a health insurance plan through the BeWell Marketplace we recommend taking these four steps to make sure you understand your plan and get...

If you are a current BeWell customer, you should have received a purple envelope, or email with the title “A Better BeWell is Here, Access Your New Account”, that contains an access code to claim your...

Lost Medicaid? Get Affordable Health Insurance at an Enrollment Event!

Losing Medicaid coverage is tough enough. Now you have to go through the steps to set up new insurance coverage? Seriously…but lucky for you, the BeWell Certified Assisters are bringing enrollment information...

Lost Your Medicaid Coverage? We’ll Help You Replace It With Affordable Health Insurance

Not sure whether you still qualify for Medicaid coverage? Need help replacing Medicaid? Don’t worry—whatever your situation, BeWell is ready to help for free! If you lost Medicaid coverage and can’t get...

Make a Payment

Manage My Account

Manage Your Account

If you’re currently enrolled in a plan through BeWell here is where you can find all of the details to manage your account in the BeWell portal. If you received an access code, you don’t need to...

Media and Press

At BeWell, we’re here to connect New Mexicans with affordable, high-quality health insurance. Find the latest news, press releases and media coverage below. If you’re a member of the media and have questions...

Meet Our Team

Our BeWell staff is dedicated to delivering on our mission of enrolling New Mexicans in affordable health insurance. From our leadership team to outreach and education to finance, our entire team is here...

Meet the Board

BeWell is governed by a 13-member board of directors. Positions on the board are appointed by either the Governor’s Office or the New Mexico Legislature. The next BeWell Board of Directors meeting will...

Meet The Carriers

Buying health insurance is a little like visiting a paleta shoppe. There are so many options, but how do you know which one is right for you? Every carrier in BeWell’s marketplace offers quality insurance...

Moving Off the Pueblo? See How Native Americans Benefit from Having Health Insurance

When Brandi Ahmie moved from Laguna Pueblo to Albuquerque after college in early 2020, she was focused on starting a new chapter in her life and career. “I signed a new lease on an apartment on the cusp...

Native American Assisters

Our team of Native American assisters is here to support you with personalized guidance on your healthcare options. Each assister brings their unique experience, understanding of Native American culture...

Native American Health Insurance Coverage: Weighing Your Options

If you are a Native American living in New Mexico, you have a lot of options to get quality, affordable healthcare coverage—and that’s a good thing! But you probably have a lot of questions, too: What...

Native Americans

BeWell is dedicated to connecting Native Americans in New Mexico to affordable, high-quality health insurance that helps complement Indian Health Services (IHS) and Tribal Health Care Center coverage. If...

Navigate Your Dashboard

https://youtu.be/jcapgd_WZgg This article will show you how to navigate your dashboard in the new BeWell portal. The Dashboard is the page you will see after logging in that provides an overview of your...

Need Insurance? A Guide to Understanding Your Enrollment Options

Usually when you want to buy something it’s simple to walk into the store and get what you need right away. But with health insurance, you have to wait for an enrollment period or special enrollment period...

Neighbors Help Each Other: A Certified Assister’s Story of Connecting New Mexicans with Health Insurance

Miranda Tso, Native American Liaison Manager, became a BeWell Certified Assister in 2016. A lifelong New Mexican, she has a passion for helping her neighbors get high-quality health insurance—a passion...

Open Enrollment Report

The dashboards below provide enrollment and customer engagement data for the current month or multiple years as noted within each dashboard. View the 2025 Open Enrollment Data for a comparison of last...

Policies and Procedures

Policies Plan Year 2026 Policy Manual Plan Year 2025 Policy Manual SEP Matrix Plan of Operation Plan of Operation 2026 Redline Communications Policy Code of Conduct: Governing Principles and Conflict...

PY26 Monthly Report

The dashboards below provide enrollment and customer engagement data for the current month or multiple years as noted within each dashboard. View the PY25 Monthly Report for a comparison of last year’s...

Raise Your Voice! Tips to Talk with State Legislators About Health Insurance Costs

Have you heard the good news? While health insurance costs are going up across the country, New Mexico is doing things differently. Our state legislators—people who make laws—listened to the concerns of...

Renew Your Plan

If you chose to auto renew at the end of your plan year 2026 BeWell application, you will not need to worry about renewing your plan next year. That will happen automatically. If you did not choose to...

Replace Job-Based Coverage

Report a Death

An enrollee’s coverage can be terminated if the enrollee dies during the plan year. The death can be reported by an applicant or a household member who was included in the initial application and who is...

Report Household Income

What Income Should I Report on My BeWell Application? Eligibility for subsidies such as Advance Premium Tax Credits (APTC), New Mexico Premium Assistance and Turquoise Plans are based on the estimated...

Reset My Password

https://youtu.be/otNpCov9tv8 It is easy to reset your BeWell account password. Watch the video tutorial or follow the steps below to reset your password. Click here to go to your BeWell login page. Click...

Reviews From Our Community

It’s our mission to connect New Mexicans with affordable, high-quality health insurance. And we’re proud to provide a high level of service and support throughout the process.Read reviews of BeWell from...

Schedule An Appointment

BeWell offers free, unbiased help through certified brokers and assisters across the state. They are not affiliated with any insurance carrier and will never push a specific plan. Their only goal is to...