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• Health Insurance Rates: Blue Direct Plan A

Back to BlueDirect® Plan A Page Compare all 3 plans!
BlueDirect ® Individual PPO Plan Plan A STANDARD INDIVIDUAL MONTHLY RATES Effective March 8, 2008 and forward (initial effective/renewal dates)

Download PDF of Plan A Rates

Albuquerque Metro, ZIP codes 87000 -87299

MEMBER AGE $100 DEDUCTIBLE $250 DEDUCTIBLE $500 DEDUCTIBLE $1,000 DEDUCTIBLE
Male Female Male Female Male Female Male Female
Adults 19-24 $144 $173 $124 $149 $96 $115 $ 84 $100
~ 25-29 164 197 141 170 110 132 95 114
~ 30-34 192 230 165 198 128 153 111 133
~ 35-39 232 279 200 239 155 186 135 161
~ 40-44 273 327 234 281 182 218 158 190
~ 45-49 317 381 273 327 212 254 184 221
~ 50-54 363 407 312 350 242 271 211 236
~ 55-59 409 409 351 351 273 273 237 237
~ 60-64 434 434 373 373 289 289 251 251
~ 65+ 458 458 394 394 306 306 266 266
Each Dependent Child on Parent's Policy 0-24 113 113 97 97 76 76 66 66
Child-Only Policy (No Parent on Policy) 0-01 215 215 185 185 143 143 125 125
02-06 101 101 87 87 67 67 59 59
07-18 115 115 99 99 77 77 66 66

New Mexico Outside the Albuquerque Metro Area, ZIP Codes 87300 -88499

MEMBER AGE $100 DEDUCTIBLE $250 DEDUCTIBLE $500 DEDUCTIBLE $1,000 DEDUCTIBLE
Male Female Male Female Male Female Male Female
Adults 19-24 $159 $190 $137 $164 $106 $127 $ 92 $110
25-29 181 217 155 186 121 145 105 126
30-34 211 253 181 218 141 169 122 147
35-39 255 306 219 263 170 204 148 178
40-44 300 360 258 309 200 240 174 208
45-49 349 419 300 360 233 279 202 243
50-54 400 448 344 385 267 299 232 259
55-59 450 450 386 386 300 300 261 261
60-64 477 477 410 410 318 318 277 277
65+ 504 504 433 433 336 336 292 292
Each Dependent Child on Parent's Policy 0-24 125 125 107 107 83 83 72 72
Child-Only Policy (No Parent on Policy) 0-01 236 236 203 203 158 158 137 137
02-06 111 111 96 96 74 74 64 64
07-18 126 126 108 108 84 84 73 73
Rates and Eligibility

Rates and Eligibility
  • Depending on health status, an individual may be offered coverage at a rate that is 10% to 50% higher than the standard rates above.
  • The rate for an applicant (and/or spouse and/or adult dependent child, if applicable) is increased by 10% if any tobacco product (cigarettes, cigars, chewing tobacco, pipe) was used during the twelve (12) consecutive months prior to the date of application. An adult’s tobacco use does not affect rates for minor children.
  • Family rate: For a given deductible, add up premium rates for each individual. To determine the correct age band, use what a person’s age will be on the requested effective date of the policy. The dependent child rate is multiplied by the number of dependent children in the family to be covered. For a minor child applying for his/her own policy, use the appropriate “Child-Only Policy” age band (bottom three rows of table).
  • A dependent child must be unmarried and under age 25. There are no extensions for students. A child loses dependent status when turning age 25, but can transfer to his/her own policy.
  • A child-only policy has no parent on the policy. Submit an application and fee for each child; each child gets own policy.
Area Rating

Area Rating BlueDirect is area-rated to reflect variations in medical costs throughout the state. The two rating areas are designated as
  1. Albuquerque Metro, and
  2. New Mexico Outside the Albuquerque Metro Area. Also refer to the ZIP Codes at the top of each table.
A division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association.


Get health insurance coverage from Blue Cross Blue Sheild of New Mexico!   Or call Toll Free: 1-800-831-3270 , contact or email us!

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USA-HealthInsurance® offers affordable medical coverage from Blue Cross Blue Shield and other nationwide insurance companies to provide you with your health insurance needs.
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