BeWell thanks Gov. Lujan Grisham and our NM Legislators for their commitment to affordable, reliable health insurance. The loss of enhanced federal tax credits will be covered with state subsidies, saving some customers thousands for 2026. Thank you, state leaders!

BeWell thanks Gov. Lujan Grisham and our NM Legislators for their commitment to affordable, reliable health insurance. The loss of enhanced federal tax credits will be covered with state subsidies, saving some customers thousands for 2026. Thank you, state leaders!

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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 you are Native American and a member of a federally recognized Tribe, you may qualify for additional benefits when enrolling in a health insurance plan through BeWell, including: 

  • Year-round enrollment: You can sign up for coverage at any time – no need to wait for the Open Enrollment Period (OEP) or qualify for a Special Enrollment Period (SEP). 
  • Lower out-of-pocket costs: You may be eligible for special Cost-Sharing Reductions (CSRs) to help lower expenses like deductibles, copays, and premiums. 
  • Continued care from trusted providers: You can keep seeing your current Indian Health Service (IHS) or Tribal Health Care Center doctors.

There’s no copayment, deductible or coinsurance at IHS or Tribal Health Care Centers. And you don’t need an IHS or Tribal Health Care Center referral to see an outside provider. 

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How BeWell Works with IHS

Having a health insurance plan through BeWell does not replace IHS or Tribal Health Care coverage. It supplements your IHS and Tribal Health Care Center coverage. Our plans pay for emergency care when you travel, and you can see providers outside the IHS and Tribal Health Care Center service area. Services include: 

  • Emergency care 
  • Hospital stays 
  • Lab services 
  • Maternity and newborn care 
  • Mental health and substance use disorder 
  • Outpatient care 
  • Rehab services and equipment 
  • Prescriptions 

We Help Your Local IHS Clinic

Getting additional insurance can also help your local IHS clinic! When insurance pays IHS or Tribal Health Care Centers for your medical visits, IHS and Tribal Health Care Centers can use that money to take care of your neighbors.

Get Help from a Native American Assister

Our Native American certified assisters can help you understand how our plans work with IHS or Tribal Health Care Center coverage, and how to find the best plan for your needs and budget.

Meet Our Native American Assisters

How to Get Financial Assistance

BeWell is the only place where you can qualify for subsidies to reduce the cost of health insurance.

The Native American Premium Assistance (NAPA) program provides enhanced premium assistance for Native Americans who are members of a federally recognized Tribe. Specifically, NAPA provides: 

  • Free premium options for individuals and families with incomes up to 300% FPL; and 
  • Reduced premiums for individuals and families with incomes between 300-400% FPL.

If you are an American Indian or an Alaska Native, there are health coverage benefits and protections available if you enroll in coverage through BeWell:  

  • Some benefits are available to members of federally recognized Tribes or Alaska Native Claims Settlement Act (ANCSA) Corporation shareholders.
  • Other benefits are available to people of Indian descent or those who are otherwise eligible for services from IHS, a Tribal organization, or an urban Indian health organization. 

While there is a monthly premium for an insurance plan you enroll in through BeWell, you may qualify for tax credits that lower your costs based on your income:   

  • If you enroll in a health insurance plan through BeWell and your income is between 100% and 300% of the federal poverty level, you can enroll in a zero-cost sharing plan.   
  • Regardless of your income, you won’t have to pay any out-of-pocket costs if you get services from an IHS or in-network Tribal Care Center provider.   
  • You can enroll in a BeWell health insurance plan at any time and you can change plans as often as once a month.   

Zero Cost Sharing Plan

 A plan available to members of federally recognized Tribes and Alaska Native Claims Settlement Act (ANCSA) Corporation shareholders whose income is between 100% and 300% of the federal poverty level and qualify for premium tax credits. People enrolled in this type of plan:   

  • Don’t pay copayments, deductibles, or coinsurance when getting care from an Indian health care provider or when getting essential health benefits through your health insurance plan through BeWell   
  • Don’t need a referral from an Indian health care provider when getting essential health benefits through a health insurance plans through BeWell   
  • Can get zero costs sharing with a health insurance plan at any metal level through BeWell  
  • Must agree to have their income verified to enroll 
Learn More About Financial Assistance

Questions? Call 833-862-3935 or TTY 711, chat with us, or schedule a free appointment with a certified assister.