There are two times when you can get health insurance — during open enrollment and special enrollment. 

Open enrollment starts on Nov. 1 each year. Any other sign-up time falls under special enrollment. To obtain health insurance during special enrollment, you must have a qualifying "life event" within the past 60 days. Examples include losing your job, moving to a new area, getting married or having a child. 

Blue Cross and Blue Shield of New Mexico offers tools to help you find a plan that's right for you. Use the Provider Finder and premium tax estimator to see your choices. They make choosing a health insurance plan simpler. Visit bcbsnm.com to learn about the BCBSNM family and individual health insurance plans available.

With Provider Finder^® , you can search our large network of doctors, dentists, hospitals and more. You can even look for in-network doctors who are with the plan you're researching. If you already have a doctor you want to stick with, use the tool to see if your current doctor is in-network for the plan you’re considering.

The premium tax estimator helps you know how much financial assistance you may qualify for based on your income and household size. Remember, this premium tax credit amount is just an estimate. The amount of your official premium tax credit will come from the marketplace.

If you take any prescription drugs, check the standard drug list and generic drug list to make sure the plan covers your medications.

After you choose a plan that fits your budget, medical and prescription drug needs, make sure to track your application status.

Originally published 4/1/2015; Revised 2018, 2021, 2023, 2024