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Qualifying Rates:
Note:  Standard Risk Rates are NOT monthly premiums. 

The Pool determines appropriate rates through a review of the average rates charged by major New Mexico health insurers for individual health coverage.

This average rate is called the "Standard Risk Rate" and the Pool's actuary updates this rate twice a year in order to reflect changes in the market, often referred to as "trend." As a result, the Pool's rates will increase when market rates go up.

New Mexico law also stipulates that the Pool's rates must be set at a certain percentage level above this Standard Rate. This difference is referred to as the "multiplier."

 

           
NEW MEXICO MEDICAL INSURANCE POOL
           
125% of Standard Risk Rates (Monthly)
Effective July 1, 2009 through December 31, 2009
           
Attained Age 500 1000 2000 5000 7500 10000
Plan Plan Plan Plan Plan Plan
Male
             
 0 - 18 $137.68 $122.84 $103.84 $81.86 $72.63 $65.16
19 $183.60 $163.76 $138.43 $109.15 $96.85 $86.83
20 $183.60 $163.76 $138.43 $109.15 $96.85 $86.83
21 $183.60 $163.76 $138.43 $109.15 $96.85 $86.83
22 $183.60 $163.76 $138.43 $109.15 $96.85 $86.83
23 $183.60 $163.76 $138.43 $109.15 $96.85 $86.83
24 $183.60 $163.76 $138.43 $109.15 $96.85 $86.83
25 $190.61 $170.05 $143.75 $113.31 $100.54 $90.18
26 $197.99 $176.63 $149.31 $117.70 $104.46 $93.65
27 $205.69 $183.53 $155.10 $122.28 $108.51 $97.33
28 $211.73 $188.86 $159.66 $125.86 $111.69 $100.18
29 $217.76 $194.28 $164.20 $129.44 $114.86 $103.00
30 $224.11 $199.94 $169.01 $133.25 $118.24 $106.04
31 $230.49 $205.60 $173.80 $137.03 $121.58 $109.04
32 $237.18 $211.58 $178.86 $140.99 $125.11 $112.20
33 $245.88 $219.38 $185.43 $146.18 $129.73 $116.33
34 $254.95 $227.43 $192.25 $151.55 $134.49 $120.60
35 $264.31 $235.79 $199.31 $157.14 $139.44 $125.04
36 $274.05 $244.45 $206.66 $162.90 $144.54 $129.65
37 $284.09 $253.44 $214.23 $168.88 $149.85 $134.40
38 $293.45 $261.80 $221.29 $174.45 $154.81 $138.83
39 $303.53 $270.74 $228.88 $180.41 $160.13 $143.58
40 $313.56 $279.73 $236.46 $186.41 $165.40 $148.31
41 $324.29 $289.29 $244.54 $192.78 $171.06 $153.40
42 $335.01 $298.84 $252.63 $199.15 $176.73 $158.49
43 $345.70 $308.39 $260.71 $205.53 $182.38 $163.55
44 $356.78 $318.25 $269.05 $212.10 $188.20 $168.76
45 $368.19 $328.41 $277.64 $218.88 $194.21 $174.18
46 $379.90 $338.90 $286.49 $225.86 $200.39 $179.73
47 $391.96 $349.66 $295.58 $233.04 $206.76 $185.43
48 $404.03 $360.40 $304.66 $240.16 $213.11 $191.11
49 $416.74 $371.76 $314.28 $247.75 $219.83 $197.15
50 $429.80 $383.44 $324.13 $255.50 $226.74 $203.34
51 $443.20 $395.38 $334.21 $263.48 $233.80 $209.68
52 $456.95 $407.63 $344.59 $271.65 $241.03 $216.16
53 $468.68 $418.08 $353.39 $278.61 $247.23 $221.70
54 $480.75 $428.84 $362.50 $285.79 $253.58 $227.41
55 $493.14 $439.93 $371.88 $293.14 $260.13 $233.28
56 $505.54 $450.95 $381.20 $300.53 $266.65 $239.14
57 $518.59 $462.60 $391.08 $308.30 $273.55 $245.33
58 $522.28 $465.90 $393.83 $310.49 $275.50 $247.08
59 $526.29 $469.50 $396.86 $312.88 $277.63 $248.98
60 $529.96 $472.76 $399.65 $315.05 $279.56 $250.71
61 $533.64 $476.06 $402.43 $317.25 $281.53 $252.48
62 $537.68 $479.64 $405.46 $319.65 $283.63 $254.36
63 $554.79 $494.89 $418.35 $329.79 $292.64 $262.43
64 $572.53 $510.73 $431.73 $340.36 $302.01 $270.83
65+ $590.94 $527.15 $445.64 $351.31 $311.73 $279.54
Female
             
 0 - 18 $137.68 $122.84 $103.84 $81.86 $72.63 $65.16
19 $215.09 $191.85 $162.19 $127.85 $113.48 $101.74
20 $215.09 $191.85 $162.19 $127.85 $113.48 $101.74
21 $215.09 $191.85 $162.19 $127.85 $113.48 $101.74
22 $215.09 $191.85 $162.19 $127.85 $113.48 $101.74
23 $215.40 $192.16 $162.41 $128.06 $113.61 $101.93
24 $215.75 $192.46 $162.68 $128.26 $113.80 $102.05
25 $224.79 $200.53 $169.51 $133.64 $118.56 $106.36
26 $234.15 $208.89 $176.59 $139.23 $123.53 $110.78
27 $244.21 $217.84 $184.15 $145.18 $128.83 $115.51
28 $251.94 $224.73 $189.99 $149.79 $132.89 $119.19
29 $259.64 $231.60 $195.76 $154.35 $136.98 $122.84
30 $267.69 $238.78 $201.85 $159.15 $141.20 $126.60
31 $276.04 $246.26 $208.16 $164.10 $145.63 $130.61
32 $284.41 $253.73 $214.48 $169.09 $150.04 $134.55
33 $294.81 $262.99 $222.30 $175.26 $155.51 $139.48
34 $305.86 $272.86 $230.63 $181.83 $161.35 $144.70
35 $316.91 $282.73 $239.00 $188.39 $167.15 $149.90
36 $328.64 $293.16 $247.80 $195.38 $173.36 $155.48
37 $340.69 $303.91 $256.94 $202.53 $179.73 $161.15
38 $352.09 $314.06 $265.51 $209.30 $185.75 $166.55
39 $364.15 $324.84 $274.59 $216.48 $192.10 $172.25
40 $375.86 $335.31 $283.45 $223.44 $198.26 $177.81
41 $388.63 $346.68 $293.04 $231.04 $204.99 $183.83
42 $401.35 $358.01 $302.65 $238.59 $211.71 $189.89
43 $414.06 $369.38 $312.23 $246.16 $218.41 $195.89
44 $426.79 $380.73 $321.84 $253.73 $225.14 $201.90
45 $440.21 $392.69 $331.93 $261.70 $232.20 $208.24
46 $453.93 $404.95 $342.31 $269.86 $239.45 $214.75
47 $468.33 $417.78 $353.18 $278.43 $247.04 $221.56
48 $475.73 $424.36 $358.73 $282.80 $250.91 $225.05
49 $483.09 $430.94 $364.28 $287.18 $254.83 $228.53
50 $490.44 $437.49 $369.85 $291.56 $258.70 $232.03
51 $498.14 $444.39 $375.63 $296.13 $262.78 $235.65
52 $505.84 $451.23 $381.45 $300.71 $266.86 $239.30
53 $508.54 $453.65 $383.48 $302.33 $268.25 $240.59
54 $510.88 $455.74 $385.26 $303.73 $269.51 $241.70
55 $513.56 $458.14 $387.28 $305.33 $270.90 $242.95
56 $515.90 $460.20 $389.05 $306.70 $272.14 $244.04
57 $518.59 $462.60 $391.08 $308.30 $273.55 $245.33
58 $522.28 $465.90 $393.83 $310.49 $275.50 $247.08
59 $526.29 $469.50 $396.86 $312.88 $277.63 $248.98
60 $529.96 $472.76 $399.65 $315.05 $279.56 $250.71
61 $533.64 $476.06 $402.43 $317.25 $281.53 $252.48
62 $537.68 $479.64 $405.46 $319.65 $283.63 $254.36
63 $554.09 $494.28 $417.84 $329.40 $292.29 $262.10
64 $570.84 $509.23 $430.45 $339.39 $301.11 $270.04
65+ $588.25 $524.78 $443.61 $349.71 $310.33 $278.30
 
 
 
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