New Mexico operates its own state-based marketplace, beWellnm, rather than using HealthCare.gov. Residents shop for plans and apply for subsidies directly through the state exchange.
New Mexico expanded Medicaid under the ACA, so adults earning up to 138% of the federal poverty level generally qualify for the state's Medicaid program instead of needing a subsidized marketplace plan.
New Mexico has one of the higher shares of residents covered through Medicaid in the country, given the state's income distribution, so it's worth checking Medicaid eligibility carefully before assuming a marketplace plan is the only option. beWellnm also runs its own outreach and enrollment assistance network, which can be useful for residents who prefer in-person help over navigating the site alone.