Ready to find 2025 health insurance coverage? Blue Cross and Blue Shield of New Mexico has affordable coverage, whether you're a small business owner or gig worker.
If you've recently gone through a life event, you may be able to enroll now.
What are My Health Insurance Plan Options If I'm Self-Employed?
Do you own your own business? Maybe you don't get coverage through an employer. Find affordable plans with BCBSNM. During Special Enrollment, you may be able to choose a 2025 plan if you've gone through a big life change.
- Bronze level plans can help you save if you don't have dependents or visit the doctor often.
- Silver level plans can keep you and your family covered with costs balanced between health care bills and monthly payments.
- Gold level plans are great for growing families or those with more health concerns.
Who Is Considered Self-Employed?
Maybe you're a small business owner chasing your dreams. Or you want to be your own boss. BCBSNM can help if you're a:
- Gig worker, like a food delivery or rideshare driver
- Independent contractor, like a solo practitioner, construction worker or someone who doesn't get health insurance through work
- Freelance worker, like a wedding photographer or independent tech professional
- Small business owner, like an event planner, small agency owner or owner of any small business that doesn't have health insurance as a benefit
Consider This Before Shopping
There are a few important things to think about before choosing a plan:
- Check our drug lists to make sure your prescriptions are covered
- Check plan networks to understand your providers or find in-network doctors and hospitals
- Check if you qualify for other plan types, like Medicare or Medicaid
Benefits of Getting Insurance Through BCBSIL
Affordable health coverage
Want to learn if you qualify for tax credit savings? Learn more and apply your savings when you shop on the New Mexico Health Insurance Marketplace.
Easy online experience
Shop through our online shopping platform, schedule automatic monthly payments and access your member details through our mobile app. Experience the best of BCBSNM at your fingertips.
24/7 support
Whether you need help using your BCBSNM plan or want to meet with a doctor virtually, you'll always have support services, some of which you can access 24/7.
Simple bill payments
Our payment portal lets you make one-time or first-time payments through your member account. Plus, sign up for Auto Bill Pay to make sure you never miss a payment.
FAQs
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What happens to my plan if I get a job that offers health insurance coverage?
If you get a job that offers you insurance coverage while you already have your own plan, here are a few things you can do:
- Keep your current plan: You don't need to opt in to your employer's plan if you'd prefer to keep the one you have now. Just continue to pay your premium to keep your coverage.
- Choose a plan through your employer: Usually, you can enroll in an employer-offered plan when you get hired. To end your individual and family plan coverage, just stop paying its premium.
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When am I able to enroll in a new plan?
If your job changed within the past 60 days, you may be able to enroll right now. The Special Enrollment Period allows you to update or choose a new plan if you were let go or quit your job, if you lost COBRA or if you lost coverage because your employer lowered your working hours. Understand how job changes could qualify you for Special Enrollment.
If you aren't eligible to enroll through Special Enrollment, you can enroll during Open Enrollment. Open Enrollment begins every year on Nov. 1. Anyone can enroll during Open Enrollment without having gone through a life event.