Individual & Family Insurance Plans
Learn about Individual and Family medical plan options, premiums, provider networks, gym memberships, vision coverage, and much more.
Simple, easy plan enrollment
Use our fast and convenient online enrollment tool to get a quote, quickly compare plans, and enroll in the Presbyterian Off Exchange Individual and Family Plans. We are looking forward to being your partner in health.
Tell us about you and your family.
See the best plan(s) recommended for you.
Choose a plan and we'll help you enroll.
Presbyterian Individual & Family Plans on beWellnm
Find out if you are eligible for a tax credit. Enrolling on a Presbyterian plan through beWellnm allows individuals who are eligible for a tax credit to get health insurance at a lower cost, including monthly premiums, deductibles, copayments, and coinsurance.
Contact our representatives for assistance with a quote and enrollment.
Enroll by Phone
To apply with one of our representatives by phone, call:
Local 505-923-8224, option 4 Toll Free 1-866-869-7737, option 4 TTY 711
Hablamos Español
Important: These plans are “Off Exchange” plans, this means you will not get any financial help lowering your monthly premium or out-of-pocket costs like deductibles, copayments, and coinsurance.
Health Plan Categories
Learn about Individual and Family medical plan options, premiums, provider networks, gym memberships, vision coverage, and much more.
Gold Plans
Gold plans often have the highest monthly premiums and lower out-of-pocket costs for care.
Silver Plans
Silver plans often have lower monthly premiums and higher out-of-pocket costs than Gold.
Clear Cost Plans
Clear Cost Plans, available in Gold and Silver, are designed to lower your out-of-pocket costs and streamline benefits.
Ready to enroll? Learn more
Plan Highlights
Access to Presbyterian’s Integrated Health System
Presbyterian health plan members have access to our integrated health system. Nine hospitals, a large medical group, and a health plan network of more than 22,000 providers and facilities all over New Mexico.
Improve Your Health with Wellness at Work**
Wellness at Work is an online tool for members. It is your personal well-being portal that provides access to a health check assessment, well-being journeys, challenges, healthy habit tracking, tobacco cessation (Powered by EX Program by Truth Initiative) and other resources.
Support for Your Mental Health**
The Employee Assistance Program (EAP) program provides confidential support for complex personal challenges. Members and families living in the same household can get up to six complimentary assistance visits per issue.
Plan and Network Choices
Create a personalized provider directory for providers who are close to work or home, find specific providers (including primary and specialty care providers), narrow the search to match preferences, and find facilities and pharmacies.
Create your personalized provider directorySee Presbyterian insurance plans available in your area.
Get a Quote*PHP Clear Cost Plan members can access our Fitness Pass Program for only $29.50 per member per month. To enroll in the Fitness Pass program, go to www.phs.org/wellness
**Value added products and services are not insurance benefits and may be discontinued at any time.
Things to review before enrolling
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.
Find out if you are eligible for a tax credit: enrolling on a Presbyterian plan through beWellnm allows individuals who are eligible for a tax credit to get health insurance at a lower cost.
Ready to Enroll?
Enroll Online Now
Open Enrollment for 2026 is November 1 – December 15, 2025. Starting November 1, fill out an application and enroll in a 2026 Presbyterian Individual and Family plan. Enroll by December 15, 2025 for coverage that starts January 1, 2026.
Enroll by Phone
To apply with one of our representatives by phone, call:
Local 505-923-8224, option 4 Toll Free 1-866-869-7737, option 4 TTY 711
Hablamos Español
Important: These plans are “Off Exchange” plans, this means you will not get any financial help lowering your monthly premium or out-of-pocket costs like deductibles, copayments, and coinsurance.
Special Enrollment is available year round
Applications are being accepted if you have experienced a major life event within the past 60 days – such as a loss of healthcare coverage or had a baby – you may qualify for a special enrollment.
Already a Member?
Renewal changes for Individual Plans should be submitted through your myPRES account. The deadline to submit renewal changes is December 15, 2025.