3 Easy Steps

  1. 1. Make your Selection
  2. 2. Compare Plans
  3. 3. Apply
  Zip Code Age Gender Smoker  

APPLICANT 

 
 

SPOUSE

remove
 

CHILD

remove
Please fill out all fields correctly
Please wait, you are being redirected to a regional web site...
date

Be Well NM

 

Now that the Affordable Care Act has taken effect, if you don’t have health insurance you’re probably looking to see how the new system can help you get New Mexico health insurance. Chances are you’re not looking forward to the arduous process of choosing a plan, which is why we at ForHealthInsurance.com have created this guide to buying insurance on the Be Well NM online health insurance marketplace. Read on to learn everything you need to know to make buying New Mexico health insurance painless.

What exactly are these Be Well NM plans I have been hearing about?

With all this talk about the marketplace, you probably want to know what exactly the plans on Be Well NM are. The premise is easy to understand: a given plan is either a Bronze, Silver, Gold or Platinum plan. These designations refer to the amount of monthly premiums you pay for the plan. Platinum plans at Be Well NM have the highest premiums and Bronze plans have the smallest. This way, there is a New Mexico health insurance plan available for all ranges of incomes and healthcare needs.

So what kind of Be Well NM plan do I need?

When choosing from one of these plans you need to know how much you can pay and how much medical coverage you need. New Mexico health insurance plans with a higher monthly premium (such as those at the Platinum level) have lower deductibles and copays, while the opposite is true for those New Mexico health insurance plans with a lower monthly premium (such as those at the Bronze or Silver level).

While lower out of pocket costs are always a good thing, a higher premium plan at Be Well NM might not be a good choice if you don’t make use of healthcare services very often. However, if you have dependents, preexisting medical conditions or just want to be prepared for illnesses, you might want to shop for a Gold or Platinum New Mexico health insurance plan.

Do the Be Well NM plans get any cheaper?

If your income is between 133 percent and 400 percent of the Federal Poverty Line, you will get a health insurance tax subsidy to offset the cost of your health insurance. The closer your annual income is to 133 percent of the FPL, the bigger the tax subsidy on your New Mexico health insurance will be.

However if you’re closer to the top of that range, don’t worry. The cost of health insurance plans sold at Be Well NM are be capped at 9.5 percent of your income when you make at or near 400 percent of the Federal Poverty Line. For those who make less than 400 percent FPL the cost cap on New Mexico health insurance plans is lower in proportion to your income level.

How do I buy a Be Well NM plan?

To buy New Mexico health insurance at  Be Well NM give us a call here to speak with one of our health insurance experts or enter your zip code above to see what plans are available in your area.