Native American Health Insurance

Your Heritage. Your Benefit.

Health coverage for American Indians & Alaska Natives

If you’re an American Indian or an Alaska Native, you may have new health coverage benefits and protections in the Marketplace. There are advantages to enrolling in Marketplace coverage:

  • Some benefits are available to members of federally recognized tribes or Alaska Native Claims Settlement Act (ANCSA) Corporation shareholders. See the list of federally recognized tribes.

  • Access to a wider range of providers and services — in addition to health care services you get through Indian health care providers.

  • If your income is between 100% and 300% of the federal poverty level, you can enroll in a “zero cost sharing” plan. This means you won’t have to pay any out-of-pocket costs — like deductibles, copayments, and coinsurance — when you get care.

  • You may qualify for a premium tax credit that lowers your monthly premium and extra savings when you get care (called “cost-sharing reductions”).

What are the benefits of an American Indians & Alaska Native Health Plan?

  • By enrolling in health coverage through the Marketplace, Medicaid, or CHIP, you have better access to services that the Indian Health Service (IHS), Tribal programs, or urban Indian programs (known as I/T/Us) may not provide.

  • If you enroll in a Marketplace health plan, Medicaid, or CHIP, you can keep getting services from your I/T/U the same way you do now. When you get services from an I/T/U, the I/T/U can bill your insurance program. This benefits the Tribal community, allowing I/T/Us to provide more services to others.

It’s not Open Enrollment, how do I enroll?

Members of federally recognized Tribes and ANCSA shareholders can enroll in a Marketplace plan at any time for coverage this year. Once you’re enrolled in a plan, you can change plans up to once a month or enroll for plan coverage next year during Open Enrollment. To qualify for year-round enrollment and cost-sharing reductions, you need to provide documentation to the Marketplace. You can provide either of the following:

  • A document issued by a federally recognized Tribe indicating Tribal membership

  • A document issued by an Alaska Native village/Tribe, or an ANCSA Corporation (regional or village) document indicating shareholder status