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New Mexico’s Health Care Affordability Fund − created in 2021 and supported by a tax on health insurers − reduces premiums and out-of-pocket costs for people on BeWell, the state’s ACA marketplace. New Mexico signups reached an all-time high in 2026, partly because of generous state measures that replaced the ACA’s enhanced premium tax credits. While switching to a high-deductible plan might make it more affordable to keep coverage, consumers’ out-of-pocket costs can soar when they visit the doctor or hospital or fill a prescription.
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Cynthia Cox, director of the program on the ACA at KFF, noted that those retaining coverage likely confronted higher premiums or deductibles. Returning customers received a three-month grace period to pay, ending March 31 for many, but affordability issues led to widespread cancellations. New consumer sign-ups fell sharply, dropping 14 percent in federal marketplace states from the prior year. The Centers for Medicare & Medicaid Services released data showing 23.1 million consumers selected or were automatically re-enrolled in marketplace plans for 2026 coverage. Analysts expect actual coverage numbers to fall further as some enrollees fail to pay higher premiums. No jargon, just smart reads in five minutes or less.
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