Health Insurance

Health Insurance

Individual & Family Health Insurance

Group Health Insurance

Family and Individual health plans, outside of The Exchange, can be purchased year round. Customers can choose from a variety of plans with different Deductibles, Co-Pays, Yearly Out-of-Pocket Costs, and supplemental benefits like dental coverage.

Native American Health Plans can also be purchased year round, see below for more information.

There is power in numbers, especially when it comes to finding affordable health insurance!

Employer pays some or most of the cost.
Even if you have pre-existing conditions, the plan cannot deny you.
Simple enrollment.
Customized plan designs, depending on the number of employees the employer may choose to offer more than one plan

Exchange Plans

New Mexico

Arizona

The Affordable Care Act

- Important -

Marketplace Open Enrollment ended March 31. You can still buy a Marketplace health plan only if you qualify for a special enrollment period. You can apply for Medicaid and CHIP any time. Learn about special enrollment periods and other coverage options after Open Enrollment. Open Enrollment for 2015 coverage starts November 15, 2014.

Most people must have health coverage in 2014 or pay a penalty. If you don’t have coverage, you’ll pay a fee of either 1% of your income, or $95 per adult ($47.50 per child), whichever is higher. You'll pay the fee on your 2015 income taxes.

Native American Health Plans HERE

If you’re an American Indian or an Alaska Native you may have new health insurance benefits and protections in the Marketplace.

Some benefits are available to members of federally recognized tribes. Others are available to people of Indian descent or who are otherwise eligible for services from the Indian Health Service, a tribal program, or an urban Indian health program.

Coverage

Ends Pre-Existing Condition Exclusions for Children: Health plans can no longer limit or deny benefits to children under 19 due to a pre-existing condition.
Keeps Young Adults Covered: If you are under 26, you may be eligible to be covered under your parent’s health plan.
Ends Arbitrary Withdrawals of Insurance Coverage: Insurers can no longer cancel your coverage just because you made an honest mistake.
Guarantees Your Right to Appeal: You now have the right to ask that your plan reconsider its denial of payment.

Costs

Ends Lifetime Limits on Coverage: Lifetime limits on most benefits are banned for all new health insurance plans.
Reviews Premium Increases: Insurance companies must now publicly justify any unreasonable rate hikes.
Helps You Get the Most from Your Premium Dollars: Your premium dollars must be spent primarily on health care – not administrative costs.

Gartner