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Insurance Basics

When you're applying for an Individual or Family plan, understanding health insurance basics can help you find your best health plan and know how it works.

Plan types

Type of Plans

When looking for the right health plan for you, you may come across several different options like:

Health Insurance Costs

Learn what premiums, deductibles, copayments and coinsurance are and how they work together.

Review costs

How to Enroll

If you qualify for a subsidy, also known as a premium tax credit, you can enroll for an on-Exchange health plan through the New Mexico Health Insurance Exchange from November 1, 2021 - January 15, 2022. A subsidy can help lower your monthly payment. If you don't qualify for a subsidy, you also can sign up directly with BCBSNM, or off-Exchange, from November 1 - December 15, 2021.

2022 Open Enrollment Period (OEP)

If you qualify for a subsidy, you can apply for a 2022 health plan through the New Mexico Health Insurance Exchange, or on-Exchange, from November 1, 2021 - January 15, 2022. If you don't qualify for a subsidy, you can also sign up directly with a private health insurance provider for an off-Exchange plan from November 1 - December 15, 2021.

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Health Care Terms

Look up common health care terms in our glossary.

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Need Assistance Shopping?

Sales Questions and Additional Plan Information:
1-888-809-1135
Calls may or may not be answered inside the United States.

Monday – Friday: 7 a.m. – 7 p.m. MT
Saturday: 7 a.m. – 5 p.m. MT
Sunday: 9 a.m. – 1 p.m. MT

Customer Service:
1-866-236-1702
Calls may or may not be answered inside the United States.

Monday – Friday: 6 a.m. – 7 p.m. MT
Saturday: 7 a.m. – 4 p.m. MT
Sunday: Closed

Already a member?
Call the Customer Service number listed on your member ID card.

New to Medicare or Need Help Shopping for a Plan?

Call us at 1-866-286-6159 TTY 711

We’re open between 8 a.m. – 8 p.m., local time, 7 days a week. If you’re calling from April 1 through September 30, alternate technologies (for example, voicemail) will be used on the weekends and holidays.

BCBSNM policies have exclusions, limitations and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call BCBSNM at 1-866-445-1396 or contact your independent, authorized broker.

P2017 Rev 10/21