Affordable Care Act (ACA) includes health insurance benefits specifically designed for members of federally recognized American Indian tribes and Alaska Native Claims Settlement Act (ANCSA) Corporation shareholders.

Even if you receive services from your Indian Health Service (IHS), Tribal or Urban Indian health care facility, you may still qualify for benefits through Your Health Idaho.

Members of federally recognized Tribes and ANCSA shareholders can enroll in a plan at any time for coverage this year. Once enrolled in a plan, you can change plans up to once a month using a Special Enrollment Period or enroll for plan coverage for the next year during Open Enrollment.

Zero-cost-sharing plans:

    • Those who purchase a plan through Your Health Idaho and whose income is between 100% and 300% of the Federal Poverty Level (FPL) can enroll in a zero-cost-sharing plan and not have to pay out-of-pocket costs like co-pays and deductibles when they get care.
    • When receiving care from Indian health care providers, you won’t have any out-of-pocket costs, like deductibles, copayments, or coinsurance, regardless of your income.

Services provided by the Indian Health Service, Tribal programs, or urban Indian programs (known as I/T/Us):

    • Regardless of income, those with plans through Your Health Idaho will have no out-of-pocket costs, such as deductibles, copayments, and coinsurance, for items or services provided by the Indian Health Service, Tribal programs, or urban Indian programs.
    • When you enroll in a marketplace plan, you can get or continue to get services from IHS, Tribes, and Tribal organizations. You can also get services from any provider on the plan.

To enroll in a marketplace plan, you will need to provide documentation indicating Tribal membership or shareholder status:

    • A document issued by a federally recognized Tribe indicating Tribal membership
    • A document issued by an Alaska Native village/Tribe or an ANCSA Corporation (regional or village) document indicating shareholder status