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Michigan Tribal Members: Apply for Health Insurance Year-Round — Often $0 a Month

Michigan is home to 12 federally recognized tribes, from the Upper Peninsula to southwest Michigan, plus members of tribes from across the country living in Detroit, Grand Rapids, Lansing and beyond.

Michigan tribal members — call now800-214-8976Have your tribal card ready · About 15 minutes
Call 800-214-8976 Book a call Check my eligibility

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.

Call 800-214-8976 Book a call Check my eligibility
Sample

Federally Recognized Tribe

Tribal Membership / CDIB Card

Name
Tribal ID
Date of birth
Enrollment

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.

Find your county (all 83) →Find your tribe →

What your tribal card can unlock in Michigan

  • Enroll or switch Marketplace plans any month of the year — 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 poverty level
  • $0 cost sharing for care from IHS, tribal or urban Indian providers at any income
  • Keep your tribal clinic and add hospitals and specialists outside it

Tribes with members in Michigan

Find out in one call if you qualify for $0

Have your tribal card and a rough income number ready.

Call 800-214-8976 Book a call Check my eligibility

Every Michigan city (533)

Michigan tribal health insurance questions

Call 800-214-8976 Book a call Check my eligibility

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; eligibility is confirmed through the official Marketplace application. $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.