For enrolled tribal members in Oklahoma and Texas
You may owe $0 in deductibles and copays. Many families were never told.
The Affordable Care Act includes protections written for American Indian and Alaska Native people. We check what your household qualifies for and handle the enrollment, free.
Are you an enrolled member of a federally recognized tribe?
- Licensed insurance agencyTexas license 3449979. Verify
- $0 to work with usAgents are paid by the insurer. Your premium is the same.
- Founded by a Chickasaw citizenMike Grimes, Texas Chickasaw Council chair.
- Your information stays privateWe never sell your data.
What the law provides.
Sources. ACA Section 1402(d); 45 CFR 155.420(d)(8); HealthCare.gov. Reviewed September 22, 2026.
Zero cost-sharing
No deductibles, copays or coinsurance.
Household income 100% to 300% of the poverty level, on any metal level except catastrophic.
Limited cost-sharing
$0 at your clinic, at any income.
At IHS, tribal and urban Indian programs, or elsewhere with their referral.
Monthly enrollment
Sign up or switch any month.
No waiting for Open Enrollment. Coverage starts the first of next month.
Premiums
Still apply, and often shrink.
Tax credits lower them for many families, and some tribes help. You see the real number first.
Where does your household fall?
Zero cost-sharing applies between 100% and 300% of the federal poverty level. Above that, limited cost-sharing still applies at any income.
Check my household| Household | 100% | Zero cost-sharing up to (300%) |
|---|---|---|
| 1 person | $15,960 | $47,880 |
| 2 people | $21,640 | $64,920 |
| 3 people | $27,320 | $81,960 |
| 4 people | $33,000 | $99,000 |
| 5 people | $38,680 | $116,040 |
| 6 people | $44,360 | $133,080 |
Keep your clinic. Add everything else.
Your clinic stays.
A plan does not replace IHS or tribal care. When your clinic bills your plan, the payment helps the clinic serve more people.
The rest opens up.
Specialists, hospitals and pharmacies in your plan’s network, plus emergency care away from home.
Three steps. We do the paperwork.
- 1
Tell us about your household
A few taps. You get an early read right away.
- 2
See what you qualify for
We compare plans in your ZIP code, with your doctors and prescriptions.
- 3
Get enrolled
We enroll you through HealthCare.gov and help submit your tribal documents.
Questions families ask.
All 31 answers →Who qualifies for the special ACA protections for American Indians and Alaska Natives?
Enrolled members of federally recognized tribes and Alaska Native Claims Settlement Act (ANCSA) corporation shareholders qualify for the Marketplace protections: zero or limited cost-sharing and a monthly Special Enrollment Period. People of Indian descent and others who are eligible for IHS, tribal, or urban Indian health services, but are not enrolled members, do not get those Marketplace protections. They can still qualify for special Medicaid and CHIP protections, and anyone in the family can apply for regular Marketplace savings based on income.
Sources. healthcare.gov, cms.gov
Does zero cost-sharing mean my health insurance is free?
Not necessarily. Zero cost-sharing removes deductibles, copays, and coinsurance, but it does not remove the monthly premium. Many families qualify for premium tax credits that lower the premium, and for some the credit covers the whole premium on certain plans, depending on income, household size, age, location, and the plan chosen. Some tribes and tribal organizations also help pay premiums for members. We show you the actual monthly premium for each plan before you decide.
Can I keep using IHS or my tribal clinic if I enroll in a Marketplace plan?
Yes. Enrolling in a Marketplace plan does not change your eligibility for IHS, tribal, or urban Indian health services. You can keep going to your clinic, and the clinic can bill your plan for the care it provides. Those payments stay with the clinic and help fund more services for your whole community. As an enrolled tribal member, you pay no deductibles, copays, or coinsurance for care from an Indian health care provider.
Sources. healthcare.gov, cms.gov
What documents do I need to prove tribal membership?
A document from your federally recognized tribe showing membership, such as a tribal enrollment card with a tribal seal or official signature, usually works. HealthCare.gov also lists a document from an Alaska Native village, tribe, or ANCSA corporation showing shareholder status, a Certificate of Degree of Indian Blood (CDIB) issued by the Bureau of Indian Affairs, a tribal census document, and other documents showing tribal affiliation. If HealthCare.gov asks for proof, you have 90 days after your eligibility notice to upload or mail it. We help you work out which one applies to you and submit it correctly.
Sources. cms.gov, healthcare.gov
Guides for tribal members.
All guides →- The basicsHealth insurance for Native Americans: how the ACA protections work in 2027.
- The basicsZero vs limited cost-sharing for tribal members in 2027.
- EnrollingCan tribal members enroll in health insurance any month? Yes. Here is how it works in 2027.
- Using your coverageHow IHS, Purchased/Referred Care and a Marketplace plan work together.
Find out what your household qualifies for. Free, in about two minutes.
Are you an enrolled tribal member?