Pay Less When You Need Health Care

A gold plan may be for you if you:

  • Have frequent medical needs
  • Have a spouse and dependents, or want to expand your family soon
  • Prefer to have a higher monthly payment but less out-of-pocket expenses

What's Included in a Gold Plan?

All Blue Cross and Blue Shield of New Mexico (BCBSNM) gold plans offer the same set of essential health benefits, quality and amount of care. The differences are how much your premium costs each month, what portion of the bill you pay for things like hospital visits or prescription medications, and how much your total out-of-pocket costs are.

Gold Plans have a higher monthly premium and often lower out-of-pocket costs than silver plans. In most cases, gold plans cover 80% of costs, while you cover 20%.

Explore Other Metallic Plan Options

Review more metallic plan options to give you and your family the perfect plan for your budget and coverage needs.


With a silver plan, BCBSNM will cover more of the cost for your medical needs.

Review silver plans


Bronze plans offer the lowest monthly payment of the plan levels.

Review bronze plans