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Types of Health Insurance Coverage

We know your health is important to you.

Below are the most common types of health insurance coverage offered. If you are looking for maternity coverage, dental services or prescription drug coverage, check out the plan details for different types of health insurance and specific plans to make sure you get the coverage you need.

Individual Health Insurance For You and Your Family

Individual and family health plans are a type of health insurance coverage available for people under 65 years and their families.

It covers a wide range of services and:

  • Lasts a year or longer
  • Usually can be renewed
  • Meets the essential requirements set by the Affordable Care Act (ACA)

ACA requirements include:

  • Emergency services, hospitalization, and preventive care
  • Maternity, newborn and pediatric care
  • Mental health care & substance abuse treatment
  • Laboratory services, prescription drugs, and disease management
  • Rehabilitative services and devices

If you enroll in Individual health insurance and family coverage, you may be able to get help lowering your monthly bill with a premium tax credit, also known as a subsidy, or cost-sharing assistance. If you qualify for a subsidy, you can enroll in an on-Exchange plan through the New Mexico Health Insurance Exchange from November 1, 2021 - January 15, 2022. If you don’t qualify for a subsidy, you can also enroll directly with a health insurance provider, or off-Exchange, from November 1 – December 15, 2021.

Learn more about getting financial help to lower your monthly bill.

Group Health Insurance Plan

If you get your health plan through your job, this is called a group health insurance plan. It's also known as group coverage or a group plan.

Dental

Dental insurance plans provide coverage for part of your dental costs for you and your family. This type of health insurance:

  • Can cover a wide range of services or just basic, routine care.
  • Can be bought as part of your longer-term plan or by itself through a separate, stand-alone dental plan.
  • Is required for children age 18 or younger under the Affordable Care Act.

Medicare

Medicare  is a type of health insurance coverage for people age 65 or older, or people under 65 with certain disabilities or illnesses.

You can add to your Original Medicare Part A (hospital) and Part B (medical) to help strengthen your health insurance safety net:

  • Part C – Medicare Advantage Plans can be seen as all-in-one coverage, some with built-in prescription drug coverage
  • Part D – Prescription drug coverage that pays for approved drugs
  • Medicare Supplement Insurance Plans – May help pay for health care costs not covered by Original Medicare

Medicaid and Children's Health Insurance Program (CHIP)

Medicaid and CHIP are types of low or no-cost health insurance through the government. Your eligibility is based on your household size and income and determined by the government. You can apply any time of year.

 

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