About Us
Thank you for taking a look at our website.
Let me tell you a little bit about who we are and what we have to offer you. We are a facility of Licensed brokers on a mission to make health insurance easier. The reason we are so effective is that we are real life people who know how hard it can be to find a plan that fits your needs.
We have taken the time to learn and have equipped ourselves with all the tools needed to make sure we get you what you need, that you understand what it is you are getting, you are confident with it, and best of all your health is very well taken care of. Feel free to come in or call any of our licensed brokers for a consultation to find you the best health insurance for you and your needs.
Short Term Insurance
Temporary Health Insurance Solutions
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What is it?
Short-term health insurance is designed to fill gaps of time you may not have coverage. For example, you lose employer coverage and are waiting to get on Medicare. You can fill in this gap of time with a short-term health plan. Short term may also be a low-cost coverage for you if you’d like to have it year-round!
How does it work in New Mexico?
With the recent change in law by the Trump administration, you can now stay on a short-term plan for up to 12 months in New Mexico.
Why purchase short term over a Marketplace plan?
If you’re eligible for a short-term plan, it can be significantly cheaper than going through the marketplace. Especially if you’re not eligible for subsidies on the marketplace.
Pros
- Affordability! These plans can be huge cost savers compared to other types of insurance.
- Network – Large network of doctors.
- Additional Benefits – It’s easy to add on additional coverages that work in tandem with your coverage. Like, accident coverage, hospital coverage, etc.
Cons
- Underwriting- If you cannot pass the underwriting process you cannot obtain coverage through a short-term plan.
- Limits – Short-term plans place limits on how much they’ll cover you throughout the life of the policy.
- Limitation of Benefits – They do not cover certain conditions like pregnancy, mental health, chiropractic care, etc.
Frequently Asked Questions
There are no limitations! You can enroll on a short-term plan year-round. In fact, a short term plan can start as soon as the next day in many cases!
No, short term plans will typically not cover anything pre-existing.
No, the individual mandate has been lowered to zero dollars starting in 2019.
Marketplace Insurance
Traditional Health Insurance Solutions
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What is it?
Many people refer to this insurance as “Obamacare.” This is the most traditional type of insurance with deductibles, copays, coinsurance, and all the classic health insurance terms you’ve heard before. It does not require health underwriting to be approved.
We offer every Marketplace plan here in NM!
Pros
- If you’re eligible for subsidies, you can achieve huge savings.
- Comfort of knowing you’re fully covered for both future and pre-existing conditions.
- You can’t be denied! (As long as you’re applying during a valid enrollment period.)
Cons
- If you’re not eligible for subsidies, marketplace coverage can be very costly.
Two Formats to Obtain It
- Requires more questions during the application process.
- Possibility for subsidies.
- Depending on your situation, you may have to complete the application through Healthcare.gov
Ideal Candidate
An individual or family that are eligible for subsidies that are looking for traditional insurance options.
- Fewer application questions than on exchange policies.
- Subsidies are not offered.
- No requirement to use Healthcare.gov to complete your application.
Ideal Candidate
An individual or family that are not eligible for any subsidy assistance and would like a streamlined application process to obtain traditional insurance.
Frequently Asked Questions
It starts on November 1st and ends December 15th.
Anybody that enrolls during the open enrollment will have their coverage begin on January 1st.
You may qualify for a special enrollment period. Check here to verify. If you are not eligible for a special enrollment period check out our other options for short term or health share insurance plans.
We need the following:
- Date of birth for each applicant in your family
- Annual Household Income (If you want to apply for subsidy assistance)
- Zip Code
- Tobacco Use? Yes or No
Health Share Plans
Faith-Based Health Insurance Solutions
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What is it?
A health share plan is a faith-based plan that offers an alternate option to traditional insurance. These plans do not use traditional insurance terminology like deductible, coinsurance, copay, etc. They use their own terminology as a “loophole” to offer coverage that differs from the Marketplace.
How does it work?
Health Share plans offer coverage just like a normal insurance plan. (You just can’t call them insurance.) They do have limitations though. For example, many health share organizations will exclude pre-existing conditions for a period of time upon starting the plan. They may also exclude certain conditions like cancer for a set amount of time as well.
Why purchase Health Share coverage over a Marketplace plan?
Health Share plans can be significantly cheaper than going through the marketplace. Especially if you’re not eligible for subsidies on the marketplace.
Pros
- Affordability! These plans can be huge cost savers compared to other types of insurance.
- Additional Benefits – It’s easy to add on additional coverages that work in tandem with your coverage. Like, accident coverage, hospital coverage, etc.
Cons
- Underwriting- They may exclude any pre-existing conditions you may have for a specified period of time.
- Limits – Health Share plans place limits on how much they’ll cover you throughout your lifetime.
- Limitation of Benefits – They may not be as comprehensive as normal health insurance plans.
Frequently Asked Questions
There are no limitations! You can enroll on a health share plan year-round.
No, but they may cover it after a specified amount of time after enrollment.
No, the individual mandate has been lowered to zero dollars starting in 2019.
Remember! No plan is perfect. Ask us how we can help fill the gaps of your insurance plan with additional benefits!
Other Plans
At Health NM we will only offer you plans that we believe will help cover things you actually need. That is why we've limited our line of insurance products we offer.
Our commitment to you is to never sell anything just to make a commission!
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Dental and Vision Insurance
We offer dental insurance from only the highest rated carriers.
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Critical Illness
What happens if you get diagnosed with Cancer or some other serious illness? Many people don't know how they'll afford life expenses during this time. Ask us about policies that will pay you cash if you ever get diagnosed with a serious illness.
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Accident Insurance
Life happens! If you break an arm, dislocate an elbow, or have any other accidental injury happen you'll need cash to help get you through while you're out on the hospital or out of work. We have many options to help you with this!
