What If I Am Self-employed?
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- Usually, if you are self-employed with no other workers, you are not eligible to buy a group health plan on your own outside of the New Mexico Health Insurance Alliance, Small Employer Insurance Program and the State Coverage Insurance program. Therefore, the laws that protect employers’ access to group health plans do not apply to you. Your access to health insurance is protected by the laws that apply to individuals (see Chapter 3).
- If you are buying coverage for yourself and at least one other family member, you can buy a group health plan through the New Mexico Health Insurance Alliance and will be protected by the rules that apply to other small groups. You may also be eligible for coverage under the Small Employer Insurance Program and the State Coverage Insurance program.
- If you are self-employed and buy your own health insurance, you may be eligible to deduct 100% of your premium from your federal income tax.
