Special Enrollment - Losing Job-Related Health Plan

If you no longer have health coverage through your job, you might be able to get a new health plan. You may qualify to buy a Blue Cross and Blue Shield of New Mexico (BCBSNM) health plan during the Special Enrollment Period (SEP). If not, you may have other choices.

SEP Qualifying Life Event and Documentation

You could lose your job-related health plan for many reasons. These are called qualifying life events and may be:


You'll need to send in documents, or proof, showing your life event date. This may be a company letter or other job records. View a full list of required documents PDF Document.

Your New Health Plan Options

Based on your age and income, you may be able to enroll in a:

Getting a New Health Plan

Each type of health plan has dates, deadlines and information for you to review.

Health Plan
Health Plan
Health Plan

In most cases, you'll have 60 days (counting weekends and holidays) from your qualifying life event's date.

However, losing a job-related health plan may let you buy a health plan up to 60 days before losing your job-related coverage.

Initial Enrollment Period
This is 7 months – the 3 months before your 65th birthday, the month of your birthday and the 3 months after your birthday.

Annual Enrollment Period
Most often runs October 15 through December 7 each year.

There's no SEP, so you can apply at any time.

Note: Members of American Indian and Alaska Native tribes can apply for health care coverage any month of the year.

Buying Your Health Plan
Financial Help

See if you qualify for a subsidy, also called a premium tax credit.

Learn if you qualify to lower prescription costs Learn more about third-party links.

Check your state agency's website for details.

We’re Here to Help

We can help you and your family stay covered. You can always use these phone numbers to call us with health plan questions:

  • BCBCSNM Individual health plan licensed sales representatives: 1-866-793-8117
  • Medicare health plans: 1-888-700-4109 TTY 711

1BCBSNM does not make Medicaid eligibility determinations or take Medicaid applications.