New Mexico
Retiree
Health Care
Authority
2026 Rate Calculator
Official rates — Jan 1 through Dec 31, 2026
Step 1
Member Profile
Step 2
Who to Enroll
Step 3
Medical Plan Selection
All enrolled family members must be on the same medical plan — no mixing between plans.
Optional
Voluntary Coverage — fully paid by you, same rates all categories
Dental Plan (Jan 1, 2025 – Dec 31, 2026)
Vision — Davis Vision (Jan 1, 2025 – Jun 30, 2028)
Dependent Child Life Insurance — The Standard (Jul 1, 2019 – Jun 30, 2027)
Rate is a flat monthly cost covering all enrolled children at that benefit level — not per child.
Retiree / Spouse Supplemental Life — The Standard (Sep 1, 2023 – Jun 30, 2027)
Enter your actual age — the rate band is determined automatically. Rates include $0.50 administration fee. ⚠ = Evidence of Insurability (EOI) required.
Estimated Monthly Premium Breakdown
Important Notice: This calculator uses official NMRHCA 2026 rate sheets (effective Jan 1 – Dec 31, 2026, revised August 2025).
Results are estimates. Contact NMRHCA at 1-800-233-2576 or visit nmrhca.state.nm.us to confirm your rates and for enrollment assistance.
Dental rates effective Jan 1, 2025 – Dec 31, 2026. Vision rates effective Jan 1, 2025 – Jun 30, 2028. Dependent Child Life effective Jul 1, 2019 – Jun 30, 2027. Supplemental Life effective Sep 1, 2023 – Jun 30, 2027.