Blue Community Gold HMO℠ 705
Starting at
$515
/month before subsidy
Blue Community Gold HMO℠ 705 is a 2026 Gold HMO health insurance plan from Issuer 75605, sold on the ACA Marketplace in New Mexico under plan ID 75605NM0390151. The monthly premium starts at $515 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $1,700 ($1,700 for a family), and the individual out-of-pocket maximum is $5,750 ($5,750 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 75605NM0390151
- Plan year
- 2026
- State
- New Mexico
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$1,700
Family: $1,700
Out-of-Pocket Max
$5,750
Family: $5,750
Coinsurance
20%
You pay after deductible
Network Type
HMO
NMN002
Medical Services
Prescription Drugs
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This Gold HMO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$994/month
Annual Premium
$6,180
OOP Maximum
$5,750
💡 What this means:
With a $1,700 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $5,750 total. Then insurance covers everything else for the year.
More plans from Issuer 75605 in New Mexico
- Blue Community Bronze HMO℠ 201from $397/mo
- Blue Community Bronze HMO℠ 603from $390/mo
- Blue Community Silver HMO℠ 203from $524/mo
- Blue Community Silver HMO℠ 308from $538/mo
- Blue Cross Blue Shield Clear Cost Silver Plan℠from $582/mo
- Blue Community Gold HMO℠ 205from $531/mo
- Blue Cross Blue Shield Clear Cost Gold Plan℠from $545/mo
Frequently asked questions about Blue Community Gold HMO℠ 705
How much does Blue Community Gold HMO℠ 705 cost per month?
Blue Community Gold HMO℠ 705 from Issuer 75605 starts at $515 per month before any subsidy in New Mexico. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for Blue Community Gold HMO℠ 705?
The individual medical deductible is $1,700, and the family deductible is $1,700. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for Blue Community Gold HMO℠ 705?
The most you would pay in a year for covered in-network care is $5,750 for an individual and $5,750 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Blue Community Gold HMO℠ 705 HSA-eligible?
No. Blue Community Gold HMO℠ 705 is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does Blue Community Gold HMO℠ 705 use?
Blue Community Gold HMO℠ 705 is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.