Native American
Health Insurance
What is Native American Health Insurance?
This is a private insurance plan. All Native American health insurance plans oer the same core benets, but network providers may vary by company. These plans include zero cost-sharing benets, meaning there are no deductibles, copays, or coinsurance for covered services such as:
- Doctor visits
- Emergency services
- Hospital stays
- Prescription drugs
- Maternity and newborn care
- Preventive services
- Mental health & substance use care
- Pediatric services (including dental and vision)
You’ll have access to major networks of doctors, hospitals, specialists, and pharmacies without needing referrals through your tribal clinic. You can also keep using your tribal providers if you prefer.
Who Can Qualify?
Tribal Members: You must be a card-carrying member of a Federally Recognized Tribe Proof may include a Tribal Card, Certicate of Degree of Indian Blood (CDIB), or other ocial documentation such eligible for services from the Indian Health Service, a tribal program, or an urban Indian health program.
Non-Native Family Members: Spouses or children who are not tribal members may also qualify for coverage, but their benets are based on household income instead of tribal status.They may qualify for lower premiums and lower deductibles and out-of -pocket expenses.
You may not qualify if you already have Medicare, Medicaid, VA, or TRICARE, or if your employer oers aordable coverage. However, exceptions may apply, and our agents can review your situation.
Special Enrollment Period (SEP)
Native American health insurance allows you to enroll anytime during the year and even change
plans once per month. Non-tribal members applying with a tribal member may also use the SEP.
How Much Does It Cost?
Most people who qualify pay $0 per month or a very low premium. Costs depend
on factors like:
- Family size
- Household income
- Age of enrolled
- Where you live
We’ll provide a free, personalized quote and help you find the plan that best fits your needs.
You also need to meet income guidelines.
