Health insurance prices in New Mexico (2026)
25 marketplace plans from 4 insurers across 33 counties. Official marketplace: beWellnm.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $390–$556 (typical $540) · Silver $524–$1,103 (typical $734) · Gold $465–$1,046 (typical $712)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 33) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Molina Healthcare | 33 | 3 | $465 Gold | no Bronze | $564 | $555 | Gold 1 Low Cost Generic Drugs |
| Blue Cross and Blue Shield of New MexicoHCSC (Blue Cross Blue Shield company) | 33 | 8 | $390 | $540 | $734 | $722 | Blue Community Bronze HMOâ 603 |
| Presbyterian Health Plan | 33 | 8 | $575 Gold | no Bronze | $788 | $747 | Gold Select $3,400 w/Gym with Limited Service Area |
| UnitedHealthcareUnitedHealth Group | 33 | 6 | $664 Gold | no Bronze | $815 | $788 | UHC Gold Value On Exchange |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $390 | $540 | $556 | 2 | $7,000 | $10,150 | $16,634 |
| Silver | $524 | $734 | $1,103 | 11 | $4,800 | $9,300 | $18,780 |
| Gold | $465 | $712 | $1,046 | 12 | $3,000 | $7,000 | $15,866 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in New Mexico
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Bernalillo County | 4 | 25 | $390 | $394 | $667 |
| Catron County | 4 | 21 | $546 | $551 | $815 |
| Chaves County | 4 | 21 | $546 | $551 | $815 |
| Cibola County | 4 | 21 | $546 | $551 | $815 |
| Colfax County | 4 | 21 | $546 | $551 | $815 |
| Curry County | 4 | 21 | $546 | $551 | $815 |
| De Baca County | 4 | 21 | $546 | $551 | $815 |
| Doña Ana County | 4 | 21 | $490 | $551 | $734 |
| Eddy County | 4 | 21 | $546 | $551 | $815 |
| Grant County | 4 | 21 | $546 | $551 | $815 |
| Guadalupe County | 4 | 21 | $546 | $551 | $815 |
| Harding County | 4 | 21 | $546 | $551 | $815 |
| Hidalgo County | 4 | 21 | $546 | $551 | $815 |
| Lea County | 4 | 21 | $546 | $551 | $815 |
| Lincoln County | 4 | 21 | $546 | $551 | $815 |
| Los Alamos County | 4 | 21 | $546 | $551 | $815 |
| Luna County | 4 | 21 | $546 | $551 | $815 |
| McKinley County | 4 | 21 | $546 | $551 | $815 |
| Mora County | 4 | 21 | $546 | $551 | $815 |
| Otero County | 4 | 21 | $546 | $551 | $815 |
| Quay County | 4 | 21 | $546 | $551 | $815 |
| Rio Arriba County | 4 | 21 | $546 | $551 | $815 |
| Roosevelt County | 4 | 21 | $546 | $551 | $815 |
| San Juan County | 4 | 21 | $501 | $534 | $845 |
| San Miguel County | 4 | 21 | $546 | $551 | $815 |
| Sandoval County | 4 | 25 | $390 | $394 | $667 |
| Santa Fe County | 4 | 25 | $533 | $538 | $735 |
| Sierra County | 4 | 21 | $546 | $551 | $815 |
| Socorro County | 4 | 21 | $546 | $551 | $815 |
| Taos County | 4 | 21 | $546 | $551 | $815 |
| Torrance County | 4 | 25 | $390 | $394 | $667 |
| Union County | 4 | 21 | $546 | $551 | $815 |
| Valencia County | 4 | 25 | $390 | $394 | $667 |
To compare insurance plans side by side (or with health sharing), open your county.