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New Mexico
Health Insurance

Consumer Rights under NM State Law

New Mexico Policy Restrictions

All New Mexico health insurance policies must be renewed by the insurance company if the insured individual requests it. The only other way an insurance company can cancel the health insurance policy is if they insured individual violates a contract agreement.

New Mexico Insurance companies do have the right to include pre-existing condition exclusions in their insurance policies. This exclusion makes them not liable for reimbursement of treatment of these conditions.

There is not list of specific conditions that they must treat. They have the right to offer permanent and temporary exclusion. They can also raise premiums to compensate for these conditions.

New Mexico Insurance Company Restrictions

New Mexico Insurance companies can deny coverage to any individual or charge higher premiums on the basis of their current health. They also have the right to raise insurance premiums based on an individuals age or if their health has declined. But an insurance company can not cancel a policy on this basis.

New Mexico natives can sign up for temporary health insurance. This coverage provides health insurance for a specific amount of time. This policy can be limited to exclude pre-existing conditions. It can also be cancelled by the insurance company at their discretion.


Always check with your health insurance company on latest policies. These types of policies rarely ever change (but can), and they are very similar from state to state. So, we have tried to highlight the differences, where applicable.

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