NEW MEXICO HEALTH INSURANCE
For too long, too many hardworking Americans paid the price for policies that handed free rein to insurance companies and put barriers between patients and their doctors. The Affordable Care Act gives hardworking families in New Mexico the security they deserve. The new health care law forces insurance companies to play by the rules, prohibiting them from dropping your coverage if you get sick, billing you into bankruptcy because of an annual or lifetime limit, or, soon, discriminating against anyone with a pre-existing condition. All Americans will have the security of knowing that they don’t have to worry about losing coverage if they’re laid off or change jobs. And insurance companies now have to cover your preventive care like mammograms and other cancer screenings. The new law also makes a significant investment in State and community-based efforts that promote public health, prevent disease and protect against public health emergencies.
NEW MEXICO MEDICAL INSURANCE STATISTICS
Consider the following statistics about health care coverage in New Mexico:
Total New Mexico Residents – 1,955,180
New Mexico uninsured residents – 23.16%
Total New Mexico HMO enrollment – 524,206
Avg annual employee premium in NM employer-sponsored plan (after employer contrib): $950
Avg NM hospital cost per inpatient day (before insurance) – $1,900
NEW MEXICO HEALTH PLANS
Health Insurance works with New Mexico insurance providers that offer health insurance for individuals and families. Compare New Mexico individual and family health plans from various providers and select the plan best suited for your health care needs. Buying an Individual and Family Health Plan in New Mexico.
A new New Mexico private health insurance plan may be right for you if:
You are self employed
Your employer does not offer a group plan
You are enrolled in a group plan, but it does not cover spouses or dependents
You are enrolled in a health plan, but the premiums are too high
You are enrolled in a health plan, but your benefits needs have changed
AFFORDABLE NM INDIVIDUAL & FAMILY MEDICAL INSURANCE
If both you and your spouse or domestic partner are looking for a new health insurance plan, we recommend that you look up health insurance quotes both together and separately to find the plan that is most affordable for you. Depending on the health insurance company, New Mexico individual and family health insurance rates for couples can be based on the age of the youngest person on the policy. Some couples with an age difference of several years may find they save money by applying for the same plan rather than individually. Couples that are only a few years apart might be able to reduce their total costs by applying for separate health insurance plans. If you decide to apply for a health insurance plan as a couple, make sure the plan you choose covers the benefits both of you need.
Some benefits of a student plan include:
You’re covered all year, not just during the school year.
You’re covered no matter where you go. School-sponsored plans might only cover you within the state where you go to school. If you are on your parent’s health insurance plan and move out of state, you could run into the same issue.
If you transfer schools, you plan moves with you. This might not be the case for school-sponsored health plans.