In March 2010, President Obama signed comprehensive health reform, the Patient Protection and Affordable Care Act (ACA), into law. The law makes preventive care more accessible and affordable for many Americans. While some provisions of the law have already taken effect, many more provisions will be implemented in the coming years.
One of the biggest pieces of the ACA is the requirement that most Americans have health care coverage. If you donít have health care coverage for you and your family, you could be assessed a tax penalty. You may have heard the term "Individual Mandate."
Health Insurance Marketplaces are a new way to find health coverage. On the Marketplace, some people may be eligible for lower costs on monthly premiums and out-of-pocket costs (such as co-pays and deductibles) based on their income. Alaskans can shop on the federal marketplace at www.healthcare.gov
If any of the conditions above apply to me, then I have satisfied the "Individual Mandate" and do not need to purchase additional health care coverage to avoid the tax penalty.
Alaska Native and American Indian people are exempt from the requirement to purchase insurance if they can show evidence of:
Q: How do I qualify for the Alaska Native and American Indian exemption?
A: To qualify for this exemption, Alaska Native and American Indian people will have to apply for the exemption through a paper application process. This paper application can be printed at http://marketplace.cms.gov/applications-and-forms/tribal-exemption.pdf
When you complete the application, you must send copies of supporting documents, such as:
Other accepted documents:
Please do not send originals of these documents as they will not be returned to you.
Please remember to complete Step 2 of the application for all members of your family, including children. Also, be sure to send copies of supporting documents for every member of your family that needs the Indian Status Exemption to avoid a tax penalty.
Within 2-4 weeks of mailing the form you will be sent an Exemption Certificate Number that you will put on your federal income tax return. It is important to keep a copy of this Exemption Certificate Number in a safe place for future use as the Indian Exemption is a lifetime exemption. If you do not hear from the Federal Government within 4-6 weeks, contact the Health Insurance Marketplace Help Center at 1-800-318-2596.
For assistance with the Indian Exemption Status paperwork and to learn more information about the ACA in Alaska, visit your local Tribal clinic or contact the ANTHC Health Reform group at firstname.lastname@example.org, (907) 729-7777 or (855) 882-6842.
Q: What if I already have health care coverage?
A: If you have health care coverage through Medicaid, Medicare, Denali KidCare, Veteranís Benefits or your employer provides health insurance, you have met the requirements of the Individual Mandate and do not need to purchase additional health care coverage to avoid the tax penalty. You do not need to complete the Indian Status Exemption paperwork if you have health care coverage. However, the Indian Exemption is a lifetime exemption and can be used anytime you have a gap in health care coverage.
Q: If I don’t buy insurance, will I still be able to get health care services at my IHS/Tribal health facility?
Yes, you will still be able to get care at your IHS/Tribal health facility. The health care services provided at IHS/Tribal health facilities are not changing. However, you will need to apply for an exemption to avoid a tax penalty.
Q: How do I enroll in a Tribe?
A: Tribal enrollment rules are different for every Tribe. Contact your familyís Tribe(s) to learn about what is required for enrollment. Tribal addresses can be found at www.ncai.org/tribal-directory. You can also contact the Bureau of Indian Affairs, Alaska Regional Office, at (800) 645-8465, option 1.
Q: Does it have to be a card or can it be a letter?
A: The Tribe may choose to issue an enrollment card or provide a letter that verifies Tribal status.
Q: Do I have to establish blood quantum?
A: Some Tribes may require a minimum blood quantum, so itís important to contact the Tribe.