Health insurance lowers your costs if you get care outside of your tribal or urban Indian clinic. Your care may even be free.
Oregon Health Plan
The Oregon Health Plan (OHP) is free health coverage offered by the State of Oregon. The best way to find out if you can have OHP is to apply. Apply at ONE.Oregon.gov or call 800-699-9075 (toll-free).
If you are already enrolled in OHP, you will get a letter telling you when and how to renew.
Private insurance
Visit HealthCare.gov to find private insurance and see if you qualify for help paying for it. The insurance plans on HealthCare.gov:
- Are mainly for people who do not qualify for the Oregon Health Plan and do not get insurance through a job or Medicare.
- Can be used at tribal and urban Indian clinics, or with a network of other providers.
- Cover office visits, hospital stays, medications and other services.
Benefits for enrolled members of federally recognized tribes
Members of federally recognized tribes and Alaska Native Claims Settlement Act (ANCSA) Corporation stakeholders may qualify for the following benefits:
- You can get care at a tribal clinic or another provider
If you usually go to a tribal, Indian Health Service, or urban Indian clinic (ITU), you can continue that care when you get a HealthCare.gov plan. No matter your income, you will pay nothing to use ITU providers.
- You can sign up at any time
- You can enroll in a plan through HealthCare.gov in any month. You do not have to wait for open enrollment, which is Nov. 1 to Dec. 15. You also can switch plans at any time, without waiting for open enrollment.
Financial help
Your premium is the amount you pay each month to have health insurance. Out-of-pocket costs are what you pay when you get care. You may qualify for help paying your premium, and your out-of-pocket costs may be nothing.
Even if you are not a member of a tribe, you may qualify for help paying premiums if you earn less than the yearly incomes shown below:
| Household size | Yearly income at or below |
| 1 | $51,040 |
| 2 | $68,960 |
| 3 | $86,880 |
| 4 | $104,800 |
| 5 | $122,720 |
| 6 | $140,640 |
Enrolled members of federally recognized tribes may qualify for plans that offer free care from other providers, or for plans that allow you to pay nothing when your tribal clinic refers you to another provider. These benefits are in addition to help paying your premium.
| Household size | Yearly income
| Below the income shown?
| Above the income shown?
|
1
| $38,280 | You may qualify for a plan that allows you to pay nothing when you get care. | You may qualify for a plan that allows you to pay nothing when your tribal clinic refers you to another provider. |
| 2 | $51,720 |
3
| $65,160 |
| 4 | $78,600 |
| 5 | $92,040 |
| 6 | $105,480 |
Get free local help
Assistance is available from local experts. Visit your local tribal organization or clinic to get help from one of these experts, or call the Oregon Health Insurance Marketplace at 855-268-3767 (toll-free) between 8 a.m. and 5 p.m. Monday through Friday.