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).

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
14 $37,470
2 $50,730
3 $63,990
4 $77,250
5 $90,510
6 $103,770
7 $117,030
8 $130,290