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Individual & Family

Explore BCBSNM's Individual & Family HMO

Our HMO plan guide explains your BCBSNM Affordable Care Act (ACA) coverage. Know plan costs and features. Feel confident when you enroll in New Mexico coverage.

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Overview

How can I check my individual and family options with BCBSNM?

Use our plan guide for BCBSNM's 2026 individual and family, or ACA, HMO health insurance. Review plan details like:

  • Plan type
  • Metallic levels
  • Deductible
  • Copay and coinsurance costs
  • If you'll need to choose a primary care provider (PCP)

Your premium depends on factors like your ZIP code, if you qualify for premium tax credit savings and how many people are in your family. You can check how much you'd pay for a plan each month in our online shopping platform.

Understand Comparison Categories

The plan info table helps you compare the main plan details that could affect your budget and care options, like:

  • Plan name: The name of the health insurance plan
  • Plan type: The type of plan, like HMO. Learn more about HMO health insurance plans.
  • Offered metallic levels: The metallic levels (Gold, Silver or Bronze) offered. Understand the metallic levels.
  • Deductible: The range of plan's deductible amount
  • Copay and coinsurance costs: The plan's starting copay and coinsurance
  • Is a PCP required? If the plan requires you to choose a PCP
  • HSA eligible? If you can enroll in a health savings account (HSA)

A plan's deductible, copay and coinsurance depends on the metallic level you choose.

Explore Your BCBSNM Individual & Family Plan Coverage

Think about what you're looking for in a health insurance plan. Understand what some of the costs of your plan could look like, where the plan is available, what type of plan it is and how you can expect to get care.

 

Plan Type

Offered Metallic Levels

Deductible

Copay and Coinsurance Costs1

PCP Required?

HAS Eligible?

Blue CommunitySM
Statewide

HMO

Gold, Silver, Bronze

$750 - $8,000

Copays start at $0
Coinsurance starts at 0%

Yes

Gold: No
Silver: No
Bronze: Yes

How can I save money on my health insurance plan in New Mexico?

You can do a few things to lower your health insurance costs. Choose a bronze plan if you don't need much care, check whether you qualify for premium tax credits or other financial help and use in-network doctors and hospitals.

Consider Bronze Level Plans

Bronze level plans may have your lowest premium cost. If you're normally healthy, don't regularly visit the doctor and don't have dependents, a bronze level health insurance plan could help keep your monthly costs low.

Understand Bronze Level Plans
Scissors cutting a dollar bill

Check Your Subsidy Savings

If you qualify, premium tax credits could help you lower your monthly health insurance bill. Your savings amount depends on your household size, annual income and ZIP code. Check if you qualify through the New Mexico health insurance exchange.

Check If You Qualify
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Use Covered Care and Medicine

Choosing an in-network provider, especially with an HMO plan, is normally your cheapest care option. Before you enroll in a plan, check that it covers the doctors, hospitals and prescriptions you prefer.

Check In-Network Options

How can I get help from a health insurance agent?

From exploring your options to submitting your application, our certified sales agents are ready to help.

Call: 1-888-809-1135

FAQs: Individual & Family Plans

Find helpful answers to some common questions about the individual and family health insurance plans with BCBSNM.

1 Copay and coinsurance rates represent those for most common service types, including primary care office visits, urgent care visits and emergency services.