New Mexico
Cheapest ACA plans in Las Cruces, New Mexico for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Las Cruces is in Dona Ana County, New Mexico. 4 carriers sell 2026 ACA plans on beWellnm for residents of Dona Ana County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $546/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Dona Ana County, including Las Cruces.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Las Cruces (Dona Ana 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 Dona Ana County |
|---|---|---|
| Gold | $490 | 20 |
| Expanded Bronze | $546 | 2 |
| Silver | $552 | 27 |
The actual cheapest Bronze plan in Las Cruces
Blue Cross Blue Shield of New Mexico Blue Community Bronze HMO? 603 - Off Exchange
$546/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 $1,747/month before subsidies.
Carriers selling 2026 plans in Las Cruces
4 carriers sell 2026 plans on beWellnm for Dona Ana County residents. 59 plans total in Dona Ana County.
| Carrier | On-exchange plans |
|---|---|
| Blue Cross Blue Shield of New Mexico | 17 |
| UnitedHealthcare of New Mexico, Inc. | 15 |
| Presbyterian Health Plan | 10 |
| Molina Healthcare of New Mexico, Inc. | 7 |
What you'll actually pay in Las Cruces
Estimated monthly net premium for the cheapest Bronze plan above ($546/mo before subsidy) on beWellnm, after federal APTC. APTC is computed against the Dona Ana Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $456/mo | $90/mo |
| $40,000 | 256% | $266/mo | $280/mo |
| $60,000 | 383% | $55/mo | $491/mo |
| $100,000 | 639% | — | $546/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $1,207/mo | $540/mo |
| $130,000 | 404% | — | $1,747/mo |
| $200,000 | 622% | — | $1,747/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Las Cruces, 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 $546 per month before subsidies. Plans sell through beWellnm. Las Cruces is in Dona Ana County, New Mexico; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Las Cruces's 2026 ACA pricing compare to other New Mexico cities?
Cheapest Bronze for a 40-year-old in Las Cruces is $546 per month before subsidies. For comparison: Albuquerque at $390/mo; Santa Fe at $533/mo; Farmington at $529/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
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
- Statewide New Mexico pricing and metal tiers
- Albuquerque pricingcheapest Bronze $390/mo
- Santa Fe pricingcheapest Bronze $533/mo
- Farmington pricingcheapest Bronze $529/mo
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. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.