Las Cruces, New Mexico
Medicare agents in Las Cruces, NM
Find a licensed agent with an office in Las Cruces, and see what Medicare looks like locally: how many people have it, how many are in Medicare Advantage, and how many plans are offered for 2027.
Last reviewed October 27, 2026. General information, not advice about any plan.
Agents in Las Cruces
No agents with an office in Las Cruces are listed yet. Agents licensed anywhere in New Mexico can help by phone or video: see agents in New Mexico.
Before you meet anyone, check their New Mexico license. Agents in nearby towns are on the Doña Ana County page.
Medicare in Doña Ana County
- People with Medicare
- 49,328
- In Medicare Advantage or another Medicare health plan
- 55% (26,897)
- With both Medicare and Medicaid*
- 12% (5,914)
Source: CMS Medicare Monthly Enrollment, July 2026, for all of Doña Ana County; Las Cruces itself has about 116,998 residents (Census, 2024). Medicare health plans include Medicare Advantage, cost plans and PACE, not Medigap or drug plans. *Includes people who get help only with Medicare costs from a Medicare Savings Program.
2027 plans offered in Doña Ana County
- Medicare Advantage with drug coverage
- 9 plans, 7 with a $0 plan premium
- Medicare Advantage without drug coverage
- 1 plan
- Special Needs Plans
- 12 plans: 7 for people with both Medicare and Medicaid; 5 for people with certain chronic conditions. Only people who qualify can join.
- Companies offering these plans
- 6
Standalone drug plans in New Mexico: 10 plans, with monthly premiums from $5.30.
Source: CMS 2027 plan landscape (updated October 2026), which lists plans by county. A $0 plan premium doesn't mean $0 costs: you still pay the Part B premium, plus copays, and plans differ in their yearly limit and in which doctors and drugs they cover. How to compare.
Free local help
- New Mexico State Health Insurance Assistance Program (SHIP)
- New Mexico's free, unbiased Medicare counseling program. 1-800-432-2080 · Website
- The New Mexico Office of the Superintendent of Insurance
- Licenses agents and takes complaints. 1-855-427-5674 · How to check a license
- 1-800-MEDICARE
- 1-800-633-4227 (TTY 1-877-486-2048), 24 hours a day, 7 days a week, except some federal holidays.
New Mexico rules to know
- Switching Medigap plans
- Starts January 2027. Starting January 1, 2027: for at least 60 days from the first day of your birth month, if you're 65 or older, you can switch to a plan of equal or lesser value.
- Medigap under 65
- Not required. New Mexico does not require Medigap companies to sell to people under 65; the state's guaranteed open enrollment starts only when you are 65 or older and enrolled in Part B, and the Insurance Superintendent warns that people under 65 with a disability or ESRD may not be able to buy a policy.
- Agent licenses
- Agents must be licensed for health insurance in New Mexico. Look one up.
Dates to know
- October 15 to December 7
- Open Enrollment: change Medicare Advantage or drug plans for the next year.
- January 1 to March 31
- Medicare Advantage Open Enrollment: one change for people already in a Medicare Advantage plan.
- Turning 65
- A 7-month window around your birthday month. The checklist.
Moving to Las Cruces from another state opens a special enrollment period for Medicare Advantage and drug plans. It doesn't by itself let you buy Medigap without health questions. What to do.
Common questions
How many people in Las Cruces have Medicare?
In Doña Ana County, 49,328 people had Medicare in July 2026, according to CMS. About 55% were in Medicare Advantage or another Medicare health plan; the rest had Original Medicare.
How many Medicare Advantage plans are offered in Las Cruces for 2027?
CMS lists 9 Medicare Advantage plans with drug coverage in Doña Ana County for 2027 (7 with a $0 plan premium; you still pay the Part B premium), 1 without drug coverage, and 12 Special Needs Plans for people who qualify, from 6 companies. Medicare.gov's Plan Finder shows which ones cover your address, doctors and drugs.
Where can I get free Medicare help in Las Cruces?
New Mexico's free counseling program, New Mexico State Health Insurance Assistance Program (SHIP) (1-800-432-2080), gives unbiased one-on-one help. You can also call 1-800-MEDICARE (1-800-633-4227) any time.
Will I pay more for a plan if I use an agent?
No. A plan's premium is set by the plan, and you pay the same whether you enroll through an agent, the plan, or Medicare.gov. Agents can't charge a fee to enroll you in a Medicare Advantage or drug plan.
Other cities in New Mexico
Keep reading
- How to find a good Medicare agent near youWhere to look for a local Medicare agent, how to narrow the list to one or two, and the five-minute checks to do before you share anything.
- Medicare Open Enrollment checklist: what to check before December 7A step-by-step checklist for the October 15 to December 7, 2026 Open Enrollment Period: what to read in your plan's letter, what's changing for 2027, what you can switch, and what happens if you do nothing.
- Medicare Advantage or Medigap? The questions that decide itNeither is better for everyone. How the two common Medicare set-ups differ, the questions that point to one or the other, and why the first choice is the hardest to undo.
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