What are you looking for? Patients Debt Collection Protection ActReport Insurance Fraud in New MexicoInsurance TypesTitle InsuranceHomeowners InsuranceCondo InsuranceRenters InsuranceAuto InsuranceHealth InsuranceManaged Health Care ReviewGrievance Procedures RulesWhat Consumers need to know about Surprise BillingIndependent Review OrganizationBilling ExamplesHealthcare Provider ArrangementsMultiple Employer Welfare Arrangement (MEWA)Life InsuranceOther Types of Health InsuranceStay Ready for Disasters!Winter StormFloodWildfireWind & Hail OSI Events Calendar View our calendar of events Short-Term, Limited Duration Insurance This insurance covers some of the same types of services as comprehensive health insurance, but is not required to offer a full set of essential health benefits. The plans typically cover a smaller share of the cost of services than comprehensive health insurance. That means you may pay less in premiums, but enrollees pay more when they need health care services. The plans may deny applicants or charge them more if they have pre-existing health conditions. Basic Hospital Expense Coverage This insurance covers a period of usually not less than 31 days of continuous in-hospital care and certain hospital outpatient services. Basic Medical-Surgical Expense Coverage This insurance covers costs associated with a necessary surgery, including a certain number of days of in-hospital care. Hospital Confinement Indemnity Coverage This insurance pays a fixed amount for each day that you are in a hospital. Accident Only Coverage This pays a lump sum when the enrollee experiences death, dismemberment, disability, or hospital and medical care caused by an accident. Specified Disease Coverage This insurance covers diagnosis and treatment of a specifically named disease or diseases, such as cancer. Long-term Care Insurance Long-term care insurance usually pays for skilled, intermediate and custodial care in a nursing home, as well as care in other settings, such as the home, adult day care center, or assisted living facility. The policy usually pays a fixed amount per day while a person is receiving care. Other Limited Coverage You may purchase insurance covering only dental or vision or other specified care. Health Care Sharing Ministries Under these arrangements, members pay a monthly fee. When they have health care expenses, members can request that the ministry or other members share part of the cost. However, the ministry is not legally obligated to pay for members’ health care costs. State insurance regulators generally do not provide oversight of health care sharing ministries. See OSI’s caution to consumers regarding Healthcare Share Ministries Trinity Cease and Desist at: Healthcare Share Ministries – Press Release Trinity Cease and Desist Learn More Health Care Affordability Fund Landing Page Small Business Health Insurance Premium Relief Initiative Landing Page Health Care Affordability Fund: Report to Legislature 2023
October 8, 2026 News Releases New Mexico Officials Demonstrate How Home Wildfire Mitigation Can Reduce Ignition Risk Socorro, N.M. — The New Mexico Office of the Superintendent of Insurance (OSI) partnered with the Insurance Institute for Business & Home Safety (IBHS) and the State Fire Marshalls Dept. on October 7 to demonstrate how wildfire mitigation can affect a home’s vulnerability to fire. The demonstration compared model homes with different levels of wildfire […] Read More
September 1, 2026 News Releases NEW MEXICO ANNOUNCES RATES FOR 2027 ACA PLANS, STATE PREMIUM SUPPORT WILL CONTINUE TO HELP ENROLLEES WITH COSTS Contact: Life and Health Product Filing BureauEmail: life.health@osi.nm.gov SANTA FE, N.M. – The New Mexico Office of Superintendent of Insurance (OSI) has approved 2027 rates for individual market Affordable Care Act (ACA) plans sold on and off BeWell, the New Mexico Health Insurance Marketplace. The average increase is 24.4%; OSI scrutinized the rates and they […] Read More
