The 2027 zero cost-sharing income range.
| Household | From (100%) | 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 |
Side by side.
| Zero cost-sharing | Limited cost-sharing | |
|---|---|---|
| Income | 100% to 300% of the poverty level | Any income |
| Income verified | Yes | No |
| At IHS, tribal and urban Indian clinics | $0 | $0 |
| With a referral from those programs (Purchased/Referred Care) | $0 | $0 |
| At any other in-network provider | $0, no referral needed | The plan's normal deductible and copays |
| Metal levels | Any except catastrophic | Any except catastrophic |
| Monthly premium | Still applies (tax credit may lower it) | Still applies (tax credit may lower it) |
Picking a metal level with zero cost-sharing.
Normally a bronze plan has the highest deductible and a gold plan the lowest. With zero cost-sharing there is no deductible on any metal. That changes the math: the plan with the lowest premium after your tax credit, often a bronze plan, can be the best value, as long as its network includes the doctors and hospitals you use.
If your income could land outside the 100% to 300% range, think about what happens then. With limited cost-sharing, a bronze plan's deductible applies outside Indian health programs, so a silver or gold plan may be safer if you use outside providers.
Want a licensed advisor to check your household?
Check my eligibilityFamilies with members who are not enrolled.
Only enrolled members get these protections. To keep them, enrolled members need to be on a separate policy from family members who are not enrolled. See mixed households.
Questions people ask.
Does zero cost-sharing mean my health insurance is free?
No. It means no deductibles, copays or coinsurance for covered care. You still owe a monthly premium, which the premium tax credit or a tribal sponsorship program may lower or cover.
Do I need a referral with zero cost-sharing?
No. With zero cost-sharing you pay nothing at any in-network provider. With limited cost-sharing you need to go to an Indian health program or have its referral to pay nothing.
What if my income is above 300% of the poverty level?
You get limited cost-sharing: $0 at Indian health programs and with their referral, at any income, and normal plan costs elsewhere.
Sources.
- HealthCare.gov glossary, Zero cost-sharing plan. healthcare.gov
- HealthCare.gov glossary, Limited cost-sharing plan. healthcare.gov
- 45 CFR 155.350, Special eligibility standards for Indians. ecfr.gov
- 42 U.S.C. 18071(d) (ACA section 1402(d)), Special rules for Indians. law.cornell.edu
- HHS ASPE, 2026 poverty guidelines. aspe.hhs.gov
General information for Texas and Oklahoma residents, not tax or legal advice. Rules and numbers can change; this page is reviewed on the date shown above. Your eligibility and prices are set by HealthCare.gov or the insurer when you apply.
Who wrote this.
RedHealth Advisors LLC is a licensed health insurance agency in Round Rock, Texas (Texas agency license 3449979, NPN 22110493), serving Texas and Oklahoma. Ryan Hutson is a licensed agent (NPN 21321807). EnrollNative was founded by Mike Grimes, a Chickasaw Nation citizen. Licensing details.