Frequently asked questions about Health Insurance


American Indians and Alaska natives may have new health coverage benefits in the Marketplace.

Some benefits are available to members of federally recognized tribes or Alaska Native Claims Settlement Act (ANCSA) Corporation shareholders. Others are available to people of Indian descent or who are otherwise eligible for services from the Indian Health Service, a tribal program, or an urban Indian health program.

Members of a federally recognized tribe and ANCSA Corporation Shareholders

If you buy private insurance in the Health Insurance Marketplace and your income is BETWEEN $24,250 and $72,750 for a family of 4 ($30,320 to $90,960 in Alaska) and you qualify for premium tax credits, you can enroll in a zero cost sharing plan and won't have to pay out-of-pocket costs like deductibles, co-payments and coinsurance when you get care.

If your income is BELOW $24,250 or ABOVE $72,750 for a family of 4 (or below $30,320 or above $90,960 in Alaska), you can enroll in a limited cost sharing plan and pay no out-of-pocket costs when you get services from an Indian health care provider or if you were referred by an Indian health care provider.

You can enroll any time. You can enroll in a Marketplace health insurance plan any month, not just during the yearly Open Enrollment period. American Indians, Alaska Natives, and others eligible for services from the Indian Health Service, tribal program, or urban Indian health program

You may qualify for CHIP or MEDICAID more easily and special costs and eligibility rules for Medicaid and CHIP may apply. You don’t pay out-of-pocket costs for Indian health programs. Regardless of income, you won’t have any out-of-pocket costs for items or services provided by the Indian Health Service, tribal programs, or urban Indian programs (known as I/T/Us), including Purchased/Referred Care.

If you don't have health insurance, you won't have to pay the fee that most people without health insurance have to pay. All you need to do is to apply for this exemption by claiming it when you file your taxes or fill out an exemption application and mail it to us. We'll take care of the rest. Learn how to apply for this exemption. Indian Health Services and Marketplace insurance.

If you enroll in a private health insurance plan through the Health Insurance Marketplace:

You can get (or keep getting) services from the Indian Health Service, tribal health programs, or urban Indian health programs.

You can also get services from any providers on the Marketplace plan.