Your New Mexico HBA membership now includes a benefits team that works for you, not a carrier. Coverage for owners, office staff, and 1099 crews, matched to how each person actually uses care.
Pick what fits your situation. We match coverage to how you actually use care, from a company of 75 to a company of 1.
We look at what you actually spend, not just the premium. Coverage matched to how you use care, not a plan built for someone else's payroll.
Every person on your team fits differently. We work with each one, from the owner to the newest 1099, instead of forcing everyone through one plan.
The kind of strategies usually reserved for big companies with a benefits department. You get them without the big company.
Ready to go all in, or want to start small? Both work. We meet you where you are and build from there.
Trusted by agencies and associations dedicated to 1099 and business owner success.








“What stands out most is Forge's professionalism and responsiveness. My broker always takes the time to explain details in clear, digestible pieces, which has made the whole thing so much less overwhelming.”
“I am so grateful for the outstanding support Forge has provided me and my family. Curtis is extremely knowledgeable about the plans and benefits, and has been a tremendous help guiding me to the best options for our needs.”
“Clearwater took the burden off my shoulders. I'm paying $12,000 less a year for a health plan. Under the old pricing I always felt I was taking care of one thing and hurting another.”

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We’ve been trained to believe cost reduction means coverage reduction.
Three minutes of questions, then real answers. No jargon, and nobody chases you with seventeen follow-up emails.
Schedule a CallThe content on this page reflects our opinions and analysis and does not constitute professional advice. Plan availability and terms vary by state and situation; refer to official plan documentation for accurate, up-to-date details. A health share is not insurance, and we always tell you exactly which one you are looking at.