Health insurance prices in Bernalillo County, NM (2026)
25 marketplace plans from 4 insurers. Cheapest plan $390/mo; typical Silver $667/mo. Official marketplace: beWellnm (enter your ZIP for your real price and tax credit).
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). Rating Area 1.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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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–$397 (typical $394) · Silver $524–$788 (typical $667) · Gold $465–$747 (typical $604)
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.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Molina Healthcare | 3 | $465 Gold | no Bronze | $524 | $493 | Gold 1 Low Cost Generic Drugs | |
| Blue Cross and Blue Shield of New MexicoHCSC (Blue Cross Blue Shield company) | 8 | $390 | $394 | $538 | $531 | Blue Community Bronze HMOâ 603 | |
| Presbyterian Health Plan | 8 | $575 Gold | no Bronze | $677 | $643 | Gold Select $3,400 w/Gym with Limited Service Area | |
| UnitedHealthcareUnitedHealth Group | 6 | $665 Gold | no Bronze | $706 | $682 | UHC Gold Value On Exchange |
All 25 plans in Bernalillo County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Blue Cross and Blue Shield of New Mexico | Blue Community Bronze HMOâ 603 | Expanded Bronze | HMO | $390 | $6,000 | $10,150 | $14,833 | |
| Blue Cross and Blue Shield of New Mexico | Blue Community Bronze HMOâ 201 | Expanded Bronze | HMO | $397 | $8,000 | $10,150 | $14,912 | |
| Molina Healthcare | Gold 1 Low Cost Generic Drugs | Gold | HMO | $465 | $1,550 | $8,100 | $13,686 | |
| Blue Cross and Blue Shield of New Mexico | Blue Community Gold HMOâ 705 | Gold | HMO | $515 | $1,700 | $5,750 | $11,936 | |
| Molina Healthcare | Clear Cost Gold | Gold | HMO | $521 | $3,000 | $6,000 | $12,253 | |
| Molina Healthcare | Clear Cost Silver | Silver | HMO | $524 | $4,800 | $9,300 | $15,591 | |
| Blue Cross and Blue Shield of New Mexico | Blue Community Silver HMOâ 203 | Silver | HMO | $524 | $1,800 | $10,150 | $16,443 | |
| Blue Cross and Blue Shield of New Mexico | Blue Community Gold HMOâ 205 | Gold | HMO | $531 | $350 | $10,150 | $16,519 | |
| Blue Cross and Blue Shield of New Mexico | Blue Community Silver HMOâ 308 | Silver | HMO | $538 | $4,250 | $10,150 | $16,604 | |
| Blue Cross and Blue Shield of New Mexico | Blue Cross Blue Shield Clear Cost Gold Planâ | Gold | HMO | $545 | $3,000 | $6,000 | $12,540 | |
| Presbyterian Health Plan | Gold Select $3,400 w/Gym with Limited Service Area | Gold | HMO | $575 | $3,400 | $10,600 | $17,499 | |
| Blue Cross and Blue Shield of New Mexico | Blue Cross Blue Shield Clear Cost Silver Planâ | Silver | HMO | $582 | $4,800 | $9,300 | $16,288 | |
| Presbyterian Health Plan | Silver Select $7,000 w/Gym with Limited Service Area | Silver | HMO | $582 | $7,000 | $10,150 | $17,138 | |
| Presbyterian Health Plan | PHP Clear Cost Gold with Limited Service Area | Gold | HMO | $632 | $3,000 | $6,000 | $13,588 | |
| Presbyterian Health Plan | Gold $4,000 w/Gym | Gold | HMO | $653 | $4,000 | $10,600 | $18,437 | |
| UnitedHealthcare | UHC Gold Value On Exchange | Gold | HMO | $665 | $2,700 | $8,500 | $16,477 | |
| Presbyterian Health Plan | PHP Clear Cost Silver with Limited Service Area | Silver | HMO | $667 | $4,800 | $9,300 | $17,301 | |
| UnitedHealthcare | UHC Gold Advantage On Exchange | Gold | HMO | $682 | $1,050 | $8,000 | $16,179 | |
| Presbyterian Health Plan | Silver $7,000 w/Gym | Silver | HMO | $687 | $7,000 | $10,150 | $18,391 | |
| UnitedHealthcare | UHC Silver Value On Exchange | Silver | HMO | $688 | $4,750 | $10,000 | $18,255 | |
| UnitedHealthcare | UHC Clear Cost Gold On Exchange | Gold | HMO | $697 | $3,000 | $6,000 | $14,365 | |
| UnitedHealthcare | UHC Silver Advantage On Exchange | Silver | HMO | $706 | $4,250 | $9,200 | $17,672 | |
| UnitedHealthcare | UHC Clear Cost Silver On Exchange | Silver | HMO | $732 | $4,800 | $9,300 | $18,080 | |
| Presbyterian Health Plan | PHP Clear Cost Gold | Gold | HMO | $747 | $3,000 | $6,000 | $14,963 | |
| Presbyterian Health Plan | PHP Clear Cost Silver | Silver | HMO | $788 | $4,800 | $9,300 | $18,759 |
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 | $394 | $397 | 2 | $7,000 | $10,150 | $14,873 |
| Silver | $524 | $667 | $788 | 11 | $4,800 | $9,300 | $17,301 |
| Gold | $465 | $604 | $747 | 12 | $3,000 | $7,000 | $14,664 |
* 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.