Benefits of Health Insurance for Native Americans through the Marketplace
Health insurance through the Health Insurance Marketplace provides several benefits for Native Americans. The Affordable Care Act made the Indian Healthcare Improvement Act permanent, allowing members of federally recognized tribes to be eligible for an ACA plan through the Federal Marketplace. Here are the qualifications for eligibility:
Membership in a federally recognized tribe is a requirement.
The estimated annual household income should fall between 138 percent and 300 percent of the income chart guidelines.
3.The age limit is 64 years or younger.
4. Individuals should not be enrolled in other federally subsidized insurance programs such as Medicare, VA, Tricare, or have health insurance through their employer. With the exception that the monthly premium of the insurance you receive through your employer is more than 9.12% of their monthly income.
The benefits of eligibility include:
Zero dollar monthly premiums: Native Americans who qualify will not have to pay any monthly premiums.
Zero dollar copays: Out-of-pocket costs like copayments, deductibles, and coinsurance amounts will be covered, resulting in no additional expenses.
Access to more options: Private health insurance provides more choices for seeking care. If a referral is required, having private health insurance can help avoid waiting lists and allow timely access to specialists.
Potential reimbursement for tribes: Even though care provided through Indian Health Services is free to the individual, the tribe can bill the insurance and receive reimbursement for the services they provide, benefiting the tribe financially.
Enrolling in health insurance through the Marketplace offers numerous advantages, indirectly contributing to improved health outcomes and community well-being for Native Americans. If you are a Native American in need of health insurance click to get a quote and we can get you and your family enrolled today! Or you can reach out to us directly. Our service is of no service to you.
