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American Indians & Alaska Natives

Health coverage for American Indians & Alaska Natives

If youโ€™re an American Indian or an Alaska Native, you may have new health coverage benefits and protections in the Marketplace.
  • Some benefits are available to members of
    or Alaska Native Claims Settlement Act (ANCSA) Corporation shareholders. See the list of federally recognized tribes.
  • Others are available to people of Indian descent or otherwise eligible for services from the Indian Health Service, a tribal program, or an urban Indian health program.
Notice:
Enroll in a Marketplace plan anytime
Members of federally recognized Tribes and ANCSA shareholders can enroll in a Marketplace plan at any time for coverage this year. Once youโ€™re enrolled in a plan, you can change plans up to once a month or enroll for plan coverage next year duringย 
.

Special health coverage protections and benefits for members of federally recognized Tribes and ANCSA shareholders

You can get health coverage through Marketplace plans, Medicaid, and the Childrenโ€™s Health Insurance Program (CHIP). There are advantages to enrolling in Marketplace coverage:
  • Access to a wider range of providers and services โ€” in addition to health care services you get through Indian health care providers.
  • You may qualify for a premium tax credit that lowers your monthly premium and extra savings when you get care (called โ€œ
    โ€).

Marketplace

  • If you buy a Marketplace plan and your income is between 100% and 300% of the
    , you can enroll in a โ€œzero cost sharingโ€ plan. This means you wonโ€™t have to pay any out-of-pocket costs โ€” like
    ,
    , and
    โ€” when you get care.
  • If you get services from an Indian health care provider, you wonโ€™t have any out-of-pocket costs, like deductibles, copayments, or coinsurance, regardless of your income.

Medicaid & CHIP benefits

You pay no premiums or out-of-pocket costs for Medicaid coverage if youโ€™re eligible to get services from an Indian Health Service, Tribal programs, or urban Indian programs (known as I/T/Us) or Purchased or Referred Care (PRC) program.

Getting services from Indian Health Service, Tribes and Tribal organizations, or urban Indian organizations

  • You may qualify for Medicaid and CHIP more easily. You have special cost and eligibility rules for Medicaid and the Childrenโ€™s Health Insurance Program (CHIP) that make it easier to qualify for these programs.
  • Regardless of income, you wonโ€™t have any out-of-pocket costs for items or services provided by the Indian Health Service, Tribal programs, or
    .

Indian Health Service, Tribes and Tribal organizations, or urban Indian organizations and Marketplace insurance

If you enroll in a Marketplace plan, you can get (or keep getting) services from IHS, Tribes and Tribal organizations, or urban Indian organizations. You can also get services from any providers on the Marketplace plan.

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