While American Indians and Alaska Natives are NOT exempt from paying premiums, they may be able to get lower costs on monthly premiums through a tax credit that is paid to insurance plans each month to reduce an individual’s premium. Eligibility for the tax credit depends on income, family size, and access to other coverage. Members of federally recognized tribes can use tax credits to pay for premiums for certain plans and still receive cost-sharing reductions as well. The type of cost-sharing reduction depends on income and whether an individual is enrolled in a zero cost-sharing plan or limited cost-sharing plan.