New Mexico
Cheapest ACA plans in Bernalillo County, New Mexico for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Bernalillo County, New Mexico has 4 on-exchange carriers offering 59 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is Blue Cross Blue Shield of New Mexico Blue Community Bronze HMO? 603 - Off Exchange at $390 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Bernalillo County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Bernalillo County |
|---|---|---|
| Expanded Bronze | $390 | 2 |
| Gold | $465 | 24 |
| Silver | $524 | 33 |
The actual cheapest Bronze plan in Bernalillo County
Blue Cross Blue Shield of New Mexico Blue Community Bronze HMO? 603 - Off Exchange
$390/moFor a family of four (two 40-year-olds and two kids under 14): Blue Cross Blue Shield of New Mexico Blue Community Bronze HMO? 603 - Off Exchange at $1,248/month before subsidies.
Carriers selling 2026 plans in Bernalillo County
4 carriers sell 2026 plans on beWellnm. 72 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| Presbyterian Health Plan | 20 |
| Blue Cross Blue Shield of New Mexico | 17 |
| UnitedHealthcare of New Mexico, Inc. | 15 |
| Molina Healthcare of New Mexico, Inc. | 7 |
Frequently asked questions
What is the cheapest ACA plan in Bernalillo County, New Mexico for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Blue Cross Blue Shield of New Mexico Blue Community Bronze HMO? 603 - Off Exchange at $390 per month before subsidies. Plans sell through beWellnm. Data refreshed 2026-04-19T08:08:55.462Z.
Is New Mexico on Healthcare.gov?
No. New Mexico runs its own state-based exchange, beWellnm, operated by the New Mexico Health Insurance Exchange. It became a full SBE (on its own technology platform) for PY2022. Healthcare.gov does not serve New Mexico.
Has New Mexico expanded Medicaid?
Yes, effective January 1, 2014. Adults 19-64 up to 138% FPL qualify regardless of parental status or disability, so there is no coverage gap in New Mexico.
What is the New Mexico Health Care Affordability Fund?
The Health Care Affordability Fund is a state-financed program that layers additional premium and cost-sharing assistance on top of federal APTC / CSRs for lower-income beWellnm enrollees. The schedule is set jointly by the NM Office of Superintendent of Insurance and the NM Health Insurance Exchange and published on beWellnm during Open Enrollment.
More New Mexico pricing
Sources
- beWellnm for SBE enrollment, OEP dates, state subsidy, and APTC application.
- New Mexico Office of Superintendent of Insurance (OSI) for rate review, carrier filings, and consumer guidance.
- New Mexico Human Services Department: Medicaid for NM Medicaid eligibility and enrollment.
- KFF: New Mexico State Health Facts for Medicaid expansion, enrollment, and benchmark premium context.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Methodology and full data attribution at about.