Native Americans living in Colorado have protections and benefits through Connect for Health Colorado®. You can sign up for health insurance with comprehensive benefits, 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 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 Annual Income*
Individuals $16,148 → $48,560
Family of two $21,893 → $65,840
Family of three $27,639 → $83,120
Family of four $33,384 → $100,400

*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 Annual Income*
Individuals $16,148 → $36,420
Family of two $21,893 → $49,380
Family of three $27,639 → $62,340
Family of four $33,384 → $75,300

*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 Reductions benefits are available if members of federally-recognized tribes access services directly at IHS.

Health First Colorado (Colorado’s Medicaid Program) and Child Health Plan Plus (CHP+)

  • Colorado passed a state law in 2013 that allows many more people to become eligible for Health First Colorado (Colorado’s Medicaid Program), including:
    • Individuals earning up to about $16,147 a year
    • Families of 2 earning up to about $21,892 a year
    • Families of 3 earning up to about $27,638 a year
    • Families of 4 earning up to about $33,383 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 (CHS) referral, 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 through CHS referral, you will not have to pay other out-of-pocket costs such as copays, coinsurance or deductibles.
  • Indian trust income isn’t counted when determining eligibility for financial help, including 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+.

Additional Resources

6 questions to ask before buying health insurance
Health insurance 101