Consumers: Health insurance exchanges will begin to appear on the internet. Be aware that any email you receive that is unfamiliar or website you visit related to health insurance exchanges could be a scam. It may be difficult to distinguish legitimate insurance exchanges from phishing emails and bogus web sites. Consumers told “do this or you're going to lose your benefits" could be dealing with a scam. New Mexicans have until April 2014 to sign up with a health insurance exchange.

Remember, all Navigators who are selling insurance MUST be licensed through the New Mexico Insurance Superintendent; they will have a license number from the State of New Mexico. Consumers should always ask for a license number and verify it online at:

It is probable that health insurance exchange scams will begin appearing on

the Internet and telephone.  Red flags consumers should be aware of include unsolicited emails from anyone unfamiliar as well as poorly composed offers. When visiting any web site that is not familiar to the consumer, it is important  to remember to re-type the web address and manually log-in. Consumers should not use links randomly received and,  if contacted by telephone, consumers should not press any buttons or return the scammers call. Returning such calls may give the con artist information he/she can use to steal the consumers identity. Do not to trust Caller ID!  Scammers have technology that allows the scammer to display any number or organizations name on Caller ID screens. Regardless of how you are contacted, never give out personal information to anyone that you did not initiate contact. This includes credit card and bank account numbers, date of birth, and social security number.

The insurance marketplaces are only for people who don't already have health insurance; most people don't have to act. The government is not calling or sending information about insurance exchanges. Consumers who want to buy insurance in New Mexico can visit:  The Nationwide website is available at