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ACA Guidance for American Indians and Alaska Natives

As an American Indian or Alaska Native, there are certain steps that you must take in order to meet the requirements of the Affordable Care Act. There are also benefits that may be available to you if you’re a member of a federally recognized tribe or Alaska Native Claims Settlement Act shareholder.

I Am an American Indian or Alaska Native (AI/AN):
What does the Affordable Care Act mean for me?
American Indian man striking a hand drum

This chart helps you to understand what steps you should take to meet the requirements of the Affordable Care Act and to learn about new opportunities under the health care law through the Health Insurance Marketplace. There may be benefits available to members of federally recognized tribes or Alaska Native Claims Settlement Act (ANCSA) Corporation shareholders. Other benefits are available to people of Indian descent or who are otherwise eligible for services from the Indian Health Service, a tribal program or an urban Indian health program.

[IF YOU HAVE INSURANCE TRACT 1]
If you have insurance through your job, Marketplace, Veterans Health Administration, TRICARE, Medicaid or the Children’s Health Insurance Program (CHIP) then there is nothing  you need to do.

[IF YOU HAVE INSURANCE AND TRACT 2]
If you are uninsured and you are a member of a federally recognized tribe, ANCSA shareholder or are otherwise eligible for services from an Indian health care provider then you may apply for an exemption. (Footnote 1)


[IF YOU HAVE INSURANCE AND TRACT 3]
If you are uninsured and you self-identify as an AI/AN but are not an enrolled member you must obtain health insurance or seek an exemption to avoid having to make a payment called “the shared responsibility payment.”(Footnote 2)

Questions? Visit HealthCare.gov or for telephone assistance call 1-800-318-2596.

[Title]Benefits of Enrolling
in the Marketplace

Even if you qualify for an exemption, there are benefits to enrolling in a health plan through the Marketplace, Medicaid or CHIP.

You can continue to receive services from your Indian health care provider.

You may qualify for special enrollment periods to begin coverage outside of the open enrollment period.

You may qualify for cost-sharing reductions that lower out-of-pocket costs.

You will help tribal programs because having health insurance, Medicaid or CHIP brings third-party resources into your tribal community.

Find out about the options available to you on HealthCare.gov.

Footnote 1.       Beginning in 2014, everyone must have health care insurance, have an exemption, or pay a fee (tax penalty) if you file a federal income tax return.  But, you may also qualify for an exemption, which means you don’t have to pay the fee. You will not have a tax penalty if you have any of these: health insurance through your employer; Medicaid, CHIP or Medicare; health care through Veteran’s Affairs (VA); insurance purchased through the Marketplace or private insurance; or your income is too low to pay federal income tax. Get your exemption through www.HealthCare.gov/tribal  or claim the exemption on your income tax return when you file your taxes. Get instructions to help you fill out an exemption application on the Centers for Medicare and Medicaid Services website at https://www.healthcare.gov/american-indians-alaska-natives/exemptions/.

Footnote 2.       Health care provided by the Indian Health Service, tribal programs, or urban Indian programs does not count as insurance for purposes of avoiding the fee (tax penalty). American Indians, Alaska Natives and other people eligible for services through the Indian Health Service, tribal programs, or urban Indian programs (like the spouse or child of an eligible Indian) don’t have to pay the fee for not having health coverage. This is called an Indian Exemption.  If you are unsure about your eligibility for Indian Health Services or tribal enrollment status in a federally recognized tribe, visit the U.S. Department of the Interior’s tribal enrollment information page a thttp://www.doi.gov/tribes/enrollment.cfm

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U.S. Department of Health and Human Services
Office of Minority Health
1-800-644-6472
http://www.minorityhealth.hhs.gov
info@minorityhealth.hhs.gov
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This new infographic from the HHS Office of Minority Health provides important information about the requirements of the Affordable Care Act, defines eligibility for the Health Insurance Marketplace and the benefits of enrolling, and identifies where to get more information.

Please select for 508 accessible copy

11/17/2015 11:32:00 AM