New Mexico

Making the choice to be self-employed means that you have decided to do things on your terms. More so, if you have decided to transform your career choice into a small business. 

Creating a business from the ground up can be extremely difficult. Nevertheless, finding self-employed health insurance that has great coverage and is also affordable doesn't have to be.

While everyone faces challenges when searching for health insurance coverage, none other than self-employed individuals face more.

What Options For Health Insurance Does A Self-Employed Individual Have?

When evaluating your self-employed health insurance choices in New Mexico, you should always consider the benefits and costs of your options.

You can choose to get the traditional individual health insurance coverage. They are:

  • PPO
  • HMO
  • HSA
  • HRA
  • MSA
  • POS
  • FSA

You can decide to get small business health insurance coverage. It is important to know that to be eligible, you need to run a small business that has a minimum of 2 staff and a maximum of 50.

New Mexico also requires that business owners provide a defined contribution health insurance policy for their employees.

Benefits of Self-Employed health insurance

  • Self-Employed health insurance is flexible enough to suit your income levels
  • You gain access to subsidies which can lower the cost of your premiums
  • Your monthly premiums can become a deductible line item on your tax returns

Where To Get Self-Employed Health Insurance In New Mexico

Small business owners as well as other self-employed individuals in New Mexico have access to the New Mexico Health Insurance Marketplace.

The New Mexico exchange, which is also known as BeWellNM, is supported by the federal government and makes any business with a maximum of 50 employees eligible for this type of insurance. New Mexico has an Open Enrollment period. The Open Enrollment Period typically starts from November to January the next year. If you’re not a business owner, you can get self-employed insurance as well. Just as long as your reported income is via a business with no other employees. 

Health Insurance Companies Offering Self-Employed Health Insurance In New Mexico

  • Blue Cross Blue Shield
  • Molina HealthCare 
  • Lovelace Health Systems 
  • New Mexico Health Connections
  • Presbyterian Health Plan

All you simply need to do is place your information in the form by answering a few questions about your insurance preferences and before you know it, Very Good Coverage will have a health insurance quote matched to you.

Try it! Make your insurance work for you!


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