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.
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 your benefits needs have changed
Off Marketplace/Direct
Off Marketplace plans are Ideal for people that don’t qualify for a tax subsidy. Health insurance companies can and do offer lots of health plans that are not part of Obamacare. With off exchange plans, you get:
- A wider selection of insurance carriers
- More providers in network
- Greater choice of deductibles
- Wider options for prescription drug coverage
Health Insurance Marketplace/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.
New Mexico ACA Carriers
- Blue Cross Blue Shield of New Mexico
- Christus Health Plan
- Molina Healthcare
- New Mexico Health Connections
- Presbyterian
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 was from November 1, 2017 and ended on December 15, 2017 for coverage beginning on January 1, 2018. 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.
What is the penalty if I don’t have insurance?
The penalty for not having minimum essential coverage is either a flat amount, or a percentage of household income, whichever is greater. In 2018, the penalty is the greater of:
- $695 for each adult and $347.50 for each child, up to $2,085 per family, or
- 2.5% of family income above the federal tax filing threhsold.
Apex Insurance Agency Helps by:
- Determining whether you qualify for subsidies
- Helping you compare plan prices and coverage details
- Explaining any complicated features or terms
- Recommending plans that would be best for you
- Walking you through the application process
- We make it easy!