Florida Native American Health Insurance: Your Tribal Card Lets You Apply Year-Round
If you're a member of the Seminole Tribe of Florida, the Miccosukee Tribe of Indians of Florida, or any other federally recognized tribe living in Florida, you can enroll in health insurance any month of the year — and many tribal families pay $0 a month, with $0 copays when they get care.
Year-round enrollment
YOUR TRIBAL CARD IS YOUR TICKET
Apply YEAR-ROUND with NO MEDICAL QUESTIONS — ALL pre-existing conditions covered.
If you hold a tribal membership or CDIB card from any federally recognized tribe, the door to Marketplace coverage is open to you every single month — with savings most people never hear about.
Federally Recognized Tribe
Tribal Membership / CDIB Card
Illustration only — personal details redacted. Your real card stays private.
Enroll any month of the year
Tribal members can sign up for or switch Marketplace plans once a month, every month — no waiting for open enrollment.
No medical questions
Acceptance is guaranteed. Nobody can be turned away or charged more because of their health history.
Every pre-existing condition covered
Diabetes, heart conditions, cancer, pregnancy — covered from day one, with no waiting periods and no exclusions.
Often $0 a month
After premium tax credits, many tribal households pay nothing per month — and under 300% of the federal poverty level, $0 deductibles and copays too.
Keep your tribal clinic
Your plan works alongside IHS, tribal and urban Indian health care — and adds hospitals and specialists outside the tribal system.
Covers your household
Eligible family members in the same household can qualify for the same year-round enrollment and savings.
*Some ACA plans in some areas have a small one-time enrollment fee due to little or no broker compensation. Agency enrollment fees never apply to Medicare products.
See tribal plan types, what's covered and what you'll pay →
Subject to review and qualification. Free licensed help by phone or Zoom.
The benefits most tribal members don't know they have
- Year-round enrollment — apply or switch plans any month, no waiting for open enrollment
- Often a $0 monthly premium after premium tax credits
- $0 deductibles and copays if household income is under 300% of the federal poverty level
- $0 cost sharing for care from tribal or urban Indian providers at any income
- Keep your tribal clinic and add hospitals and specialists outside the tribal system
Tribal communities we serve across Florida
We work with tribal citizens near the Seminole reservations in Hollywood, Big Cypress, Brighton, Immokalee, Tampa and Fort Pierce; the Miccosukee community along the Tamiami Trail; and members of every other federally recognized tribe living anywhere in Florida — from Pensacola to Jacksonville to Miami. All help is by phone or Zoom, so distance doesn't matter.
Find out in one call if you qualify for $0
Have your tribal card and a rough income number ready. It takes about 15 minutes.
Florida tribal health insurance questions
Subject to review and qualification. Year-round enrollment applies to members of federally recognized tribes (and certain eligible family members) who qualify for Marketplace coverage. $0 premium is not guaranteed — it depends on household income, premium tax credits, household size and the plan you choose. Zero cost sharing applies to members under 300% of the federal poverty level, and for care from IHS, tribal or urban Indian providers at any income. Plan availability varies by county.
*Some ACA plans in some areas have a small one-time enrollment fee due to little or no broker compensation. Agency enrollment fees never apply to Medicare products.