Individual Health Insurance Plans
Affordable Healthcare Act Experts
Apex can help you find affordable coverage in New Mexico for yourself and your family on or off of the Health Insurance Marketplace known as BeWell NM.
Individual health insurance may be right for you if:
- You are self employed
- Your employer does not offer a group plan
- You are enrolled in a group plan, but it does not cover spouses or dependents
- You are enrolled in a health plan, but the premiums are too high
- You are enrolled in a health plan, but you need different benefits
Off Marketplace/Direct
Off Marketplace plans are ideal for people that don’t qualify for a tax subsidy. Health insurance companies offer many health plans that are not part of BeWell NM. Off exchange plans provide the following:
- A wider selection of insurance carriers
- More providers in network
- Greater choice of deductibles and copays
- Wider options for prescription drug coverage
BeWell NM aka ObamaCare
If you quality, the Marketplace offers tax subsidies that will lower your premium and give you choices of insurance carriers and plans. We can complete an application for you in about 10 minutes. Apex continues to achieve Elite Status with the Marketplace Circle of Champions.
New Mexico ACA Carriers
- Blue Cross Blue Shield of New Mexico
- Presbyterian
- AmBetter
- Molina Healthcare
What is Open Enrollment?
This is the time each year to enroll for coverage, renew your existing plan or change to another plan.
When is Open Enrollment?
Open Enrollment is November 1st through December 15th for coverage beginning on the 1st of the following year. Missed the deadline? Talk to us about your options.
Do I really need to sign up?
Yes, the Affordable Care Act is still the law. You must have health insurance beginning January 1, 2018 (unless you qualify for special enrollment) or you can expect to pay a penalty.
Are there still subsidies available?
Yes, subsidies including premium tax credits are still available to those who qualify. Plus, you may also qualify for a reduced deductible and a reduced out-of-pocket maximum.
