Santa Fe, NM – Each year, consumers enroll or renew their individual health insurance plans and often have lingering questions such as how to choose which plan is right for them, will they get to keep their doctors, will the plan cover my medications, and the ultimate question for many, how much will the plan cost. The New Mexico Office of Superintendent of Insurance (OSI) has partnered with Consumers' Checkbook, a nonprofit organization with 40 years of experience helping consumers choose health plans, doctors, hospitals, and other providers, and has developed a plan comparison tool which will help address just these questions.

"With the shorter enrollment period this year, it is even more imperative that consumers, and agents and enrollment counselors assisting consumers, use every resource available to enable educated decision-making," said Superintendent John G. Franchini.

The plan comparison tool available at allows consumers to compare plans available in their area providing details on the following factors:

  • Estimate of average monthly and yearly total cost based on an actuarial estimate of premium and out-of-pocket costs for a consumer with the same family size, ages, health status, and other characteristics, which also factors in the potential for subsidies to help pay costs (about 70% of New Mexicans shopping on the Marketplace receive subsidies);
  • Cost of plan in a high-use year, which estimates out-of-pocket costs if the consumer needs to make frequent use of the plan and the likelihood of that occurring based on health status and other characteristics disclosed;
  • Doctor availability, which allows consumers to enter the names of their physicians to see which are in-network for each plan;
  • Prescription Drug Formulary availability, which allows consumers to enter prescription drugs that they take to check if they are covered in a plan's formulary.

The tool features information for plans available both On-Exchange ( or and Off-Exchange directly through the health insurance companies. This feature will be particularly useful for people who don't qualify for subsidies to reduce their costs. By using this new website, they can easily find out if a lower-cost plan is available to them off-exchange. Consumers are also able to narrow their choices to compare certain options side by side.

"Finding the best plan for your needs can be confusing, but this new, easy-to-use tool will give you a one-stop, full view of the details of plans and how their differences may impact yearly costs and access to care," said Franchini.

The OSI encourages all consumers to stop, shop, and enroll this year in the health coverage that best fits your needs. Although changes may come in the future, the need for health care will not. Be sure to check your eligibility for subsidies, and if you are ineligible for subsidies, be sure to shop and compare both On- and Off-Exchange plans.

"We are proud to partner with Consumers' Checkbook and illustrate that this type of plan comparison tool, with On- and Off-Exchange plans and enabling New Mexicans to compare all plans available in a market, demonstrates a model that could exist, even if the Affordable Care Act were to see major changes," said Franchini.

The plan comparison tool launches to the public on Thursday, October 26, 2017 at Additional information on consumer assistance departments within OSI may be found here. Additional information for in-person assistance from an agent, broker, or enrollment counselor may be found at

For more information on Consumers' Checkbook, visit

Click to search the Beat Click to search the Beat

Get Updates Three Times a Week

Welcome to the Update! You will receive emails 3 times a week with links to recently posted articles.


You can unsubscribe anytime. We never share or rent your email to anyone.

Submitting to the Beat

Those new to providing news releases to the Beat are asked to please check out submission guidelines at They are for your information to make life easier on the readers, as well as for the editor.

Advertising: Don't forget to tell advertisers that you saw their ads on the Beat.

Classifieds: We have changed Classifieds to a cheaper and shorter option. Check periodically to see if any new ones have popped up. The former software failed us, so it's just a category now, with prices posted. Send your information to and we will post it as soon as we can. Instructions and prices are on the page.

Editor's Notes

Please Note in Classifieds a dog looking for a home. And now a well-loved cat is looking for a home.

Here for YOU: Consider the Beat your DAILY newspaper for up-to-date information about Grant County. It's at your fingertips! One Click to Local News. Thanks for your support for and your readership of Grant County's online news source—

Feel free to notify if you notice any technical problems on the site. Your convenience is my desire for the Beat.  The Beat totally appreciates its readers and subscribers!  

Compliance: Because you are an esteemed member of The Grant County Beat readership, be assured that we at the Beat continue to do everything we can to be in full compliance with GDPR and pertinent US law, so that the information you have chosen to give to us cannot be compromised. 

Content on the Beat

WARNING: All articles and photos with a byline or photo credit are copyrighted to the author or photographer. You may not use any information found within the articles without asking permission AND giving attribution to the source. Photos can be requested and may incur a nominal fee for use personally or commercially.

Disclaimer: If you find errors in articles not written by the Beat team but sent to us from other content providers, please contact the writer, not the Beat. For example, obituaries are always provided by the funeral home or a family member. We can fix errors, but please give details on where the error is so we can find it. News releases from government and non-profit entities are posted generally without change, except for legal notices, which incur a small charge.

NOTE: If an article does not have a byline, it was written by someone not affiliated with the Beat and then sent to the Beat for posting.

Images: We have received complaints about large images blocking parts of other articles. If you encounter this problem, click on the title of the article you want to read and it will take you to that article's page, which shows only that article without any intruders. 

New Columnists: The Beat continues to bring you new columnists. And check out the old faithfuls who continue to provide content.

  • The Beat has a column for you gardeners out there. The Grant County Extension Service will bring you monthly columns on gardening issues.

Newsletter: If you opt in to the Join GCB Three Times Weekly Updates option at the top of this page, you will be subscribed to email notifications with links to recently posted articles.

Go to Top