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If you feel you may qualify for an Alliance plan, you may either call the Alliance directly or, click here to find an agent in your area. (Your premium will not increase if you choose to work with an agent.)
* This information is a brief description of the NMHIA underwriting guidelines and is not intended to replace sections regarding eligibility criteria in the NMHIA Plan of Operation, which provides more detailed information. |
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Group Eligibility Requirements
- To determine if the employer group is eligible to participate they must have:
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At least 2 and no more than 50 eligible employees; or |
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2 employees of which 1 has Medicare but working 20+ hours p/wk; or |
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2 employees with one waiving coverage; or |
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Self-employed person + at least 1 dependent |
- At least 50% of the all employees (eligible or not) must live within New Mexico
- Minimum allowable hours for any self-employed person and all employees who comprise the employer group is 20 hours per week
- An employer contribution is not required
- Fifty-percent (50%) participation of eligible employees is required (does not include those waiving for other coverage)
- The Alliance plan will not co-exist with another group plan (an employer paying for individual policies for their employees constitutes another group plan)
- Minimum waiting period is 30 days, maximum waiting period 180 days. The waiting period must be the same for all employees
- Management carve-outs are not acceptable through the Alliance
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