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INDIVIDUAL & FAMILY

Open Enrollment Tips

Open Enrollment happens every year from Nov. 1 - Jan. 15. Not sure where to start? These tips walk you through comparing plans, checking your network and finding out if you qualify for savings.

Compare Plans
Woman preparing for BCBSNM Open enrollment
 
Family camping and roasting marshmallows 2

Importance of Coverage

Why is getting or keeping my health insurance important?

Health insurance can help protect you from unexpected medical costs and make it easier to get the care you need. Having coverage:

  • Helps cover costs when you get health care, from checkups to emergencies
  • Helps you stay up to date on preventive care for a healthier future
  • Helps keep eligible dependents, like your spouse or children, covered
Open Enrollment happens once a year from Nov. 1 – Jan. 15. During this time, anyone can update their coverage or choose a new health plan.

If you miss the Open Enrollment deadline, you’ll generally need to wait until the next Open Enrollment Period unless you experience a qualifying life event that makes you eligible for Special Enrollment.

How To Enroll

How do I get a BCBSNM plan during Open Enrollment?

Woman researching BCBSNM plans for open enrollment

RESEARCH

How can I research my plan options?

BCBSNM offers the below plan types depending on where you live. Your plan type will determine how you access care and which doctors and hospitals are in your network:

  • HMO: Health Maintenance Organization (HMO )
Plans are offered at Bronze, Silver and Gold metallic levels. Your plans' metallic level helps show the cost of covered care.

UNDERSTAND BENEFITS

How do I assess my health insurance needs and compare plans?

NEXT STEPS

What do I do after applying?

Make your first payment and set up Auto Bill Pay: Your coverage won't begin until your first premium's paid.1 Make your premium payment online and set up Auto Bill Pay to pay your monthly bills easily and on-time.
Make a payment

Start using your member resources: Review your benefits, understand when you'll start receiving your member materials and sign up for your member account.
Find out what's next after applying

FAQs

Frequently Asked Questions About Open Enrollment

1 A portion of your premium payment includes the amount necessary to cover services required to be segmented under Section 1303 of the Affordable Care Act.