"Embrace the freedom of healthcare, wherever your journey takes you on tribal lands or across the nation!"

Your quality of health is important!

Apply for Extended Health coverage in less than 1 minute

The Extended Federal Health Program For American Indians And Alaska Natives

Embrace the freedom of healthcare

Wherever your journey takes you on tribal lands or across the nation! Your quality of health is important!

ACA & You

Get Ready for Health Care in 2025

The Affordable Care Act, also known as the health care law, was created to expand access to affordable health care coverage to all Americans, lower costs, and improve quality and care coordination.

If you have access to IHS health care benefits, you can continue to get your care from IHS, tribal, or urban Indian health programs (I/T/U). These services will always be available to you, and ACA coverage will give you access to coverage outside of IHS.

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ZERO Monthly Premium

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ZERO Deductible

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ZERO Out of Pocket

Pending Eligibility Verification

You,Your Future, Your Health Needs.

Our mission is to provide education and seamless access to no-cost health insurance. Central to our ethos is addressing the gap in affordable health insurance accessibility. Tribal Extended Healthcare Programs is committed to serving the community. Education is a cornerstone of our service, empowering clients with the knowledge they need.

Trust us to prioritize your needs and deliver exceptional service. Your journey towards the best insurance solutions starts here.

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Better Coverage – Full Range of Benefits

The answer is simple: we are there for you every step of the way. “We offer our clients year-round customer care, such as explaining how Medicare and Obamacare work, helping with policy questions, etc. We look forward to serving you and your family! Please fill out the quick quote form for any of the services we provide.

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Experienced Assistance

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Licensed Agent

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Quality Support

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Integrity & Trust

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Compassionate & Patient

Frequently Asked Questions

Find answers to the most common questions about Affordable Care Act health coverage and enrollment.

Do I have to speak with an agent to complete the application?

Speaking with an agent is not required; if the agent does have a question of concern, they will reach out directly. The application you complete on this website will allow them to process your coverage with your enrollment permission.

Can I have both IHS and ACA coverage at the same time?

Yes, you can have both Indian Health Service (IHS) coverage and Affordable Care Act (ACA) coverage at the same time. The ACA provides options for American Indians and Alaska Natives to continue using IHS, tribal, or urban Indian health programs while also enrolling in a qualified health plan through the Marketplace. This dual coverage can help ensure comprehensive health services and coverage. You can benefit from the no-cost services provided by IHS and also have the broader coverage that ACA plans offer, which may cover additional services that are not available through IHS facilities (Indian Health Service).

What are the Special Enrollment Periods for American Indians and Alaska Natives?

Members of federally-recognized tribes are allowed to purchase and enroll in Marketplace health insurance coverage monthly rather than just during the yearly open enrollment period. If you aren’t a member of a federally recognized tribe and don’t qualify for any other special enrollment period, you must enroll during the yearly open enrollment period.

What is the application process for American Indians and Alaska Natives?

The Marketplace offers a streamlined application process to help American Indian and Alaska Native patients understand what benefits are available and which protections may apply. Certain protections apply to enrolled members of federally-recognized tribes and Alaska Native Claims Settlement Act (ANCSA) Corporation shareholders only. In order to determine if you qualify for the protections, you may be asked to provide additional documentation for tribal membership and household income. By filling out one simple, user-friendly application, you will learn if you qualify for financial assistance through either: Advanced Premium Tax Credits to purchase coverage in the Marketplace, Reductions in cost-sharing that will reduce or eliminate out-of-pocket costs when you receive services using the coverage you purchased through the Health Insurance Marketplace, or Enrollment in CHIP or Medicaid.

What is Brooks & Brooks Insurance?

Brooks & Brooks Insurance is a trusted enrollment partner dedicated to helping you secure the best health coverage available outside of your Indian Health Services (IHS) benefits. We guide you through the enrollment process and ensure you receive the most comprehensive and affordable coverage that fits your needs.