You have had a qualifying life event — and therefore qualify for the special enrollment period — if:
In most cases, you have 60 days after the qualifying life event to enroll in or change your health plan. If you have insurance through your job, you may only have 30 days to enroll. You can enroll directly through Blue Cross and Blue Shield of New Mexico (BCBSNM). Or, if you think you qualify for financial assistance, you can apply on the Health Insurance Exchange.
If you already have a plan and want to change it, you can do so on the Exchange or with BCBSNM, depending on where you first enrolled.
When you sign up for or change your insurance plan during the special enrollment period, your coverage may not start right away. The date your coverage starts is based on your life event and the date you apply.
If you missed open enrollment and don't qualify for the special enrollment period, you can still stay insured by buying short-term insurance directly from BCBSNM. We offer affordable short-term plans that can keep you covered until the next open enrollment period begins on October 1.
Please note: Short-term plans give you basic health care coverage, but they don’t meet the Affordable Care Act's minimum essential coverage requirements. As a result, you may still have to pay a fine for having a plan that doesn't meet these requirements.
Depending on your income, you may qualify for Medicaid or CHIP. There is no special enrollment period for those government offered coverage options – you can apply at any time.
Members of American Indian tribes can enroll any month, not just during open enrollment. You can even apply for cost assistance.
If you qualify for special enrollment, start shopping now to compare BCBSNM plans and find the right one for you.
* Please note that the following are not considered loss of coverage: voluntarily canceling your health insurance plan, having your plan canceled because you did not pay your premiums or because your plan did not meet the requirements set by the Affordable Care Act.