New Mexico Health Insurance Regulations

New Mexico does not have as many health insurance regulations as other states - which means it's important to know them well.

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New Mexico health insurance laws

New Mexico health insurance policies must include the following:

  • guaranteed renewability provision
  • exclusion period for pre-existing conditions of no more than 6 months.

New Mexico health insurance regulations

New Mexico health insurance companies can:

  • deny you health insurance on the basis of your health and age
  • charge you higher premiums basis of your age, not your health

New Mexico health insurance companies are prohibited from:

  • terminating an existing health insurance policy due to illness.

New Mexico health insurance: temporary policies

Temporary New Mexico health insurance is available in the form of conversion insurance policies.

Other NM health insurance info

If you want more help getting a good health insurance policy, take our free health insurance internet course.

Or check out our guide to New Mexico small business health insurance.


For more on NM health insurance, visit the New Mexico Insurance Division.

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Then subscribe to our free email course. You'll learn the simple step-by-step process that will help you locate, evaluate, and purchase the best possible health plan for you and your family. (Or your small business).

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