If you are an American Indian or Alaska Native, you can enroll in a Qualified Health Plan (QHP) or Stand-Alone Dental Plan at any time during the year and may change your health and/or dental plan selection once a month. The coverage effective date(s) for your health and/or dental plan depend(s) on the day you enroll. If you enroll by the 15th  of the month, your coverage will start on the 1st day of the following month (for example, if you enroll by February 15, your coverage will start on March 1). When you complete your application for health and/or dental coverage, you will not be asked to provide documents to verify your American Indian or Alaska Native status, but you must provide the name of your federally recongnized tribe and your tribal status. 

Financial Help

Based on your household's Modified Adjusted Gross Income (MAGI), you and your household members may qualify for financial help to lower your health insurance costs. 

• You may qualify for a zero-cost sharing health plan if your household's income is between 100-300% of the Federal Poverty Level (FPL). You do not owe any out-of-pocket costs for services when you use a zero-cost sharing health plan, regardless of whether you receive care from an in- or out-of-network provider. 
• You may qualify for a low-cost sharing health plan if your household's income is above 300% of the FPL. 
  • Your out-of-pocket costs may be waived if you receive services from an Indian Health Service provider. 

Calculating your Modified Adjusted Gross Income (MAGI)

Certain distributions and payments made to the American Indians and Alaska Natives are excluded from MAGI for purposes of determining your household's eligibility for HUSKY Health coverage (Medicaid and the Children's Health Insurance Program (CHIP)), the Covered Connecticut Program, and financial help.