Open enrollment for New Mexico’s health insurance marketplace, beWellnm, is underway and runs through Jan. 15, 2023. During this time, New Mexicans can enroll in a quality, affordable health plan that, per the Affordable Care Act (ACA), is guaranteed to cover a full list of benefits, caps out-of-pocket costs, and has an established network of providers. This year, plans through beWellnm are even more affordable thanks to additional discounts at the federal and state level, putting coverage in reach for more New Mexicans.
During open enrollment, predatory companies will also scam hundreds of New Mexicans into junk insurance, leaving them uncovered and at risk of debt. These companies make their profit by impersonating government websites like healthcare.gov or beWellnm.com, convincing consumers that they are selling legitimate ACA plans, or falsely claiming that their plans provide full coverage at a better price.
Unfortunately, this is not an uncommon scenario. Having heard about open enrollment, a New Mexican might open their web browser and type in “affordable health insurance New Mexico.” The first three results are ads for non-government sites claiming to sell quality coverage at low prices. They click on the first link, enter their address and contact information, and receive a call from an agent claiming to be authorized to help them choose a plan. The individual picks a plan, provides credit card information over the phone for $40 a month, and receives an…
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