Texas Native American Health Insurance: Your Tribal Card Lets You Apply Year-Round
If you're a member of a federally recognized tribe living in Texas, you don't have to wait for open enrollment. You can apply any month, and many tribal families pay $0 a month — plus $0 copays and deductibles when you qualify.
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 → · Get a free tribal quote →
Subject to review and qualification. Free licensed help by phone or Zoom.
What your tribal card can unlock in Texas
- Enroll or switch plans any month — not just during open enrollment
- Often a $0 monthly premium after premium tax credits
- $0 deductibles and copays if household income is under 300% of the poverty level
- $0 cost sharing for care from IHS, tribal or urban Indian providers at any income
- Keep your tribal or urban Indian clinic and add hospitals and specialists statewide
Texas tribes and urban Indian health — quick links
Texas is home to three federally recognized tribes, and members of every federally recognized tribe living in Texas qualify for the same benefits. Find your tribe or clinic, then call us to finish enrollment.
- Ysleta del Sur Pueblo
- Kickapoo Traditional Tribe of Texas
- Alabama-Coushatta Tribe of Texas
- Urban Inter-Tribal Center of Texas (Dallas)
Member of a tribe headquartered in another state — Cherokee, Choctaw, Navajo or any other? You qualify too. Call 800-214-8976 and we'll confirm your eligibility.
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.
Texas cities we serve
Texas 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.