A woman standing on a ladder outside of her small business hangs a sign that says "BAKERY"

Small Group Health Insurance Options

More Value. More Choice.

All Blue Cross and Blue Shield of New Mexico fully-funded standard small group Qualified Health Plans (QHP) for 2-50 employees offer features and benefits designed with members’ health and wellbeing in mind.

The 2024 BCBSNM Small Group Portfolio is available from January 1, 2024, through December 31, 2024. 

Popular Plans for Small Businesses

Blue PPO

The broad statewide Blue PPO network gives your client flexible benefit design options at a price they can afford while giving their employees a wide range of benefits and the freedom to visit any doctor they choose, with benefits paid at a higher level when the doctor is within the network.

Blue HMO

The broad statewide Blue HMO network gives members access to the most comprehensive provider network in the state — no referrals necessary.

Blue Preferred EPOSM

Our Blue Preferred Exclusive Provider Option (EPO) is a lower cost option when compared to the larger PPO network. While it is a statewide network, it offers a high concentration of providers in these four Albuquerque counties: Bernalillo, Valencia, Torrance, and Sandoval.

Blue Advantage HMOSM

Blue Advantage HMO is a smart network designed to provide affordable quality health care services to the uninsured and underinsured whenever they access care through a participating Blue Advantage HMO network provider.

Complimentary Programs Help Members Take Control of Their Health

We’re empowering members to take control of their health through complimentary programs that can help them save money and prevent certain types of health conditions. Putting the power of wellness in members’ hands can also help your group clients lower costs by reducing doctor visits and hospitalizations. Here are a few of the advantages your clients have – just for being BCBSNM members:

Well onTarget®

The Well onTarget program is designed to give members the tools and support they need, while rewarding them for making healthy choices.

24/7 Nurseline

Members have 24/7 access to registered nurses who can guide them to the appropriate level of care for their health issue and answer general health questions.

Health Advisor

A care team addresses the mental, physical and emotional aspects of health issues for the most complex cases.

Fitness Program

The Fitness Program supports fitness for life by offering a flexible gym network to fit members’ lifestyles and budgets.

Incentives and Blue PointsSM

Members making smarter choices about their health have access to incentive programs designed to promote healthy behavior.


Wondr is an online, digital weight-management program that teaches members science-based skills that help them lose weight, sleep better, manage stress and more.


Employees save money on health and wellness products and services from top retailers not covered by insurance. There are no claims to file and no referrals or preauthorizations. Members get featured deals emailed to them by retailers like EyeMed, TruHearing®, Nutrisystem®, Reebok, Fitbit® and more.

Mental and Behavioral Health Benefits

We are deeply committed to our members’ overall wellbeing, and mental health is an important part of our approach. Compassionate case managers, utilization management, specialty programs and member and provider support are all part of the mental health benefits (called behavioral health) that come standard with every small group plan.

All plans include the state-mandated $0 member cost-share for in-network behavioral health benefits. (For HSA plans, the $0 member cost-share applies after the deductible has been met.)

In addition, members have access to Digital Mental Health, where multi-disciplinary teams engage members adjusting to life events. With Digital Mental Health, members can use Blue Access for MembersSM to easily engage in private, online programs to help keep their mental health on track through:

  • An online assessment to help them pinpoint helpful programs.
  • Quick, easy online lessons that let them access proven therapy-based techniques.
  • Expert coaches to guide and inspire them to reach their goals.
  • Peace of mind – personal results, programs and messages are always private. 

Full-Service Quoting, Enrolling and Management Solution

Bentegro for Small Business (2-50) is a comprehensive sales, enrollment and benefits management platform built for agents and brokers. Bentegro takes all the power and scale of enterprise technology solutions and makes it available in a user-friendly format for small businesses.​​

If you would like to learn more about Bentegro, visit their website, contact them via email or call 1-855-294-3258, Monday through Friday, 7 a.m. – 4 p.m. MT.

Self-Funded Small Group Option

Blue Balance Funded is an administrative and stop loss coverage suite of services for groups of 10-50 that includes consistent monthly payments for employers. Get the details on our Blue Balance Funded Portfolio Adobe PDF and learn more from our Frequently Asked Questions .