The Health Insurance Marketplace
Beginning October 1, 2013, the Marketplace provides an easy way to identify health insurance coverage, find out if you're eligible for health insurance at reduced or no cost, and compare qualified health programs. In the Marketplace, some people may be eligible for lower health premiums and out-of-pocket costs based on their income. The Marketplace offers a streamlined application process to help people understand what benefits are available and which protections may apply. The Marketplace makes it easier to find coverage by offering the following special protections for enrolled members of federally recognized tribes, including:
- Special monthly enrollment periods
- Cost-sharing exemptions
- Shared Responsibility Payment exemption
In order to determine if you qualify for special protections, you may be asked to provide additional documentation for tribal membership and household income. For more information, visit Healthcare.gov
Shared Responsibility Requirement Exemption (Tribal Membership Exemption)
American Indian and Alaska Native consumers who are members of federally-recognized tribes have access to a Tribal Membership exemption from the shared responsibility requirement payment. A Tribal Membership Exemption applies to American Indian and Alaska Natives who are members of federally recognized tribes and are unable to maintain minimum essential coverage for any time during the year.
To receive an exemption, members of federally recognized tribes may apply through the Marketplace or apply through their tax return submitted to the Internal Revenue Service.
For more information about exemptions, please visit: Healthcare.gov/Exemptions
The Health Insurance Marketplace
Beginning October 2013, the Health Insurance Marketplace is a new way to shop for and purchase private health insurance that fits your budget and meets your needs. People who purchase insurance through the Marketplace may be able to lower the costs of health insurance coverage by paying lower monthly premiums. For more information, please visit Healthcare.gov
Shared Responsibility Requirement Exemption (IHS Eligibility Exemption)
If you are eligible to receive care through an Indian health care provider, you may be eligible for the IHS Eligibility Exemption available only through the Health Insurance Marketplace. If you do not have access to an Indian health care provider, you may be eligible for other exemptions available through the Health Insurance Marketplace. These exemptions are based on certain qualifications, including:
- Various hardships, including lack of affordable coverage based on projected income
- Lack of insurance coverage for less than three consecutive months between months of coverage
- Lack of affordable coverage based on actual income
- Having income below the tax filing threshold
- Unlawful presence in the U.S.
- Membership in a health care sharing ministry
- Membership in a recognized religious sect objecting to health coverage
- Incarceration status, except pending disposition of charges.
To determine eligibility for other exemptions, please visit Healthcare.gov/Exemptions
If you are ineligible for IHS health care benefits, the Health Insurance Marketplace is available to review affordable health coverage options, please visit Healthcare.gov .
To determine if you are eligible for IHS health care benefits, please visit our Frequently Asked Questions.