Financial Help for American Indians and Alaska Natives

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The Affordable Care Act offers financial help to American Indians and Alaska Natives who are members of federally recognized tribes.

No Out-of-Pocket Costs for Care Through Tribal Programs

There are no copays, cost-sharing or deductibles if you get health services through a tribal program, the Indian Health Service (IHS) or an urban Indian health program. All federally recognized tribal members qualify for this benefit, regardless of income.

No Out-of-Pocket Costs for Care From Your Health Plan’s Network of Doctors (Depending on Income)

For federally recognized tribal members who earn less than 300 percent of the federal poverty level (FPL), there are no copays, costsharing or deductibles if you get health services from your health plan’s network of doctors. You can pick a plan from any metal tier to get this benefit (it is not limited to Silver plans).

Limited Cost-Sharing Plans

Individuals and their families who are members of a federally recognized tribe and whose household income is more than 300 percent of the federal poverty level (FPL) are eligible for limited cost-sharing plans.

  • No copays, cost sharing or deductibles when getting care from and Indian health clinic or provider.
  • No copays, cost sharing or deductibles for essential health benefits from your Covered California health plan when you have a referral from an Indian health clinic or provider.

Indian health clinics or providers may use their own referral form, or a standardized Tribal Health Referral Form created by Covered California.

Other Benefits for Federally Recognized Tribal Members

➢ You can sign up or change your health plan anytime. You do not have to wait for an open-enrollment period.

➢ You do not have to pay a penalty if you do not buy health insurance. Read more about the penalty.

300% Federal Poverty Level (FPL) for 2020
Household Size Yearly Income
1 $37,470
2 $50,730
3 $63,990
4 $77,250
5 $90,510
6 $103,770
7 $117,030
8 $130,290