Young adults (18-to-24 years old) remained the least likely of any age group to have health insurance in 2003 - 30.2 percent of this group did not have health insurance.
New Mexico Family Health Insurance (NM)
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Reliable and affordable family healthcare is not hard to find in New Mexico. A variety of health insurance plans are available to all of its residents along with the many regulations put in place to protect the wellness of its families. Read for yourself what New Mexico has to offer and plan your healthcare accordingly.
Family Health Insurance Regulations in New Mexico (NM):
In New Mexico, health insurance companies have the right to deny individual coverage to those with a medical condition.
New Mexico applies community rating to both individual and group plans. this means that your premium will be the same as everyone else, regardless of the actuarial risk that you or your family present to the insurance carrier.
The state limits exclusion periods for pre-exisitng conditions to no more than 6 months. Insurance companies can review records from 6 months prior to the effective date of a plan. (A maximum exclusion period of 18 months may apply to late enrollees in a group plan.)
In New Mexico, neither genetic information nor pregnancy are considered pre-existing conditions.
The state offers its own private health insurance plan to small businesses, self-employed individuals, and other qualified people.
In addition, the New Mexico Medical Insurance Pool provides coverage for those who have been refused or cannot afford healthcare. The pool has no annual or lifetime maximum benefits, no enrollment caps, and an exclusion period of 6 months on pre-existing conditions.
Family-Health-Insurance reviews insurance services to provide information on products and options, but is not an insurer or a licensed agency. Coverage and policies described on this site may not be available in all states.
