Are You Exempt from the Federal Requirement?

Members of Federally-recognized Tribes and individuals who are eligible for IHS services don’t have to pay a fine to the IRS if you don’t have health coverage in 2014 and beyond. To avoid the IRS fine for not having health insurance, these members will need to provide documentation and submit a form to the federal government to receive the exemption. Download forms and instructions.

Native Americans

As a result of the Presidential election, there has been a lot of talk about health care. What remains constant and true is that it is important to continue to protect the health and financial future of you and your family.

Native Americans living in Colorado have protections and benefits through Connect for Health Colorado®. You can sign up for health insurance with comprehensive benefits, regardless of pre-existing conditions, Health First Colorado (Colorado’s Medicaid Program) or Child Health Plan Plus (CHP+) and continue to receive services from Indian Health Service, tribal health programs, or urban Indian health programs.

Members of Federally-recognized tribes can enroll in health insurance year round and are eligible for financial help based on income and other factors.

Financial Help

A tax credit (Premium Tax Credit) is now available to reduce the cost of premiums for health insurance through Connect for Health Colorado for individuals and families within the below ranges.

Family Size Income per year*
Individuals $15,660 → $47,080
Family of two $21,190 → $63,720
Family of three $26,720 → $80,360
Family of four $32,260 → $97,000

*Based on Modified Adjusted Gross Income

Health insurance plans with no co-pays, deductibles or other out of pocket costs other than the monthly premium are available for families with income within these amounts:

Family Size Earnings per year*
Individuals $15,660 → $35,301
Family of two $21,190 → $47,790
Family of three $26,720 → $60,270
Family of four $32,260 → $72,750

*Based on Modified Adjusted Gross Income

Note: Only those tax household members who are American Indian/Alaska Native can get $0 out of pocket costs. Additional cost sharing benefits are available if members of federally-recognized tribes access services directly at IHS.

Health First Colorado and Child Health Plan Plus (CHP+)

  • Colorado Colorado passed a state law in 2013 that allows many more people to become eligible for Health First Colorado, including:
    • Individuals earning up to about $15,800 a year
    • Families of 2 earning up to about $21,306 a year
    • Families of 3 earning up to about $26,812 a year
    • Families of 4 earning up to about $32,318 a year
  • If you qualify for Health First Colorado or CHP+ and you are eligible for services from an Indian Health Services provider or urban Indian organization, or for Contract Health Services referral, and you will not have to pay premiums or enrollment fees. If you have ever received services from an Indian Health Services provider, urban Indian program or though CHS referral, you will not have to pay other out-of-pocket costs such as copayments, coinsurance or deductibles. Indian trust income isn’t counted when determining eligibility for new financial assistance, Health First Colorado or CHP+. In addition, other income derived from Indian lands or from items of cultural or traditional significance is not counted for Health First Colorado or CHP+.

Exempt from the federal requirement to have health insurance?

If you are a member of a Federally-recognized Tribes or are eligible for IHS services, you don’t have to pay a fine to the IRS if you don’t have health coverage in 2014 and beyond. To avoid the IRS fine for not having health insurance, you will need to provide documentation. You can claim the hardship exemption in your tax filing or submit a form to the federal government to receive the exemption.

Get started today:

Denver Indian Health & Family Services is a certified Assistance Site providing in-person help to Native Americans living in the Denver metro area. Currently, Connect for Health Colorado is providing support to the Ute Mountain Ute Tribe and the Southern Ute Indian Tribal members and their families finding health insurance.

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