New Mexico Medical Insurance Pool

Even though most Americans get their health insurance through their employer or the employer of a family member (group health insurance), some people do not have access to this type of coverage and buy their own insurance independently. Unlike the group health insurance market, in most states an insurer can turn you down for individual coverage if you have a serious pre-existing medical condition (e.g., cancer, HIV) that would make you uninsurable. New Mexico has a state and federal high-risk health insurance pool. If you have been declined medical insurance and have no access to group insurance you may be eligible for either pool option in NM. In addition, the high-risk pools serve as the guaranteed-issue purchasing option for individuals who wish to exercise federal group-to-individual insurance portability rights. The New Mexico Medical Insurance Pool (NMMIP) was established by the 1987 New Mexico State Legislature. The Pool was created to provide access to health insurance coverage to residents of New Mexico who are denied health insurance and considered uninsurable.

NMMIP also provides health benefit portability coverage to New Mexicans who have exhausted COBRA benefits and have no other portability options available to them.

Both the NMMIP and the NMFHRP are administered by Blue Cross and Blue Shield of New Mexico who handles eligibility, enrollment, member services and claims processing.

Also, both plans incorporate a LOW INCOME PREMIUM PROGRAM. Based on your household annual income a discount on monthly premium may be available.