White Papers
How legal rulings, self-funded plans, and trusted partnerships can improve outcomes for Native populations
Native American and Alaska Native communities experience some of the most significant health disparities in the United States. Chronic disease rates are high. Life expectancy is low. And persistent underfunding of the Indian Health Service (IHS) has left many tribal nations without the resources they need to support the health of their members.
But change is possible—and it's happening now.
Recent legal rulings, including Rancheria v. Hargan and the Becerra decisions, have opened the door for tribes to claim long-overdue funding and coordinate care more flexibly with federal programs. Combined with modern healthcare tools like self-funded benefits plans and the support of third-party administrators (TPAs), tribal nations have powerful new options for improving health outcomes while reinforcing sovereignty.
In this white paper, we explore the past, present, and future of healthcare in Indian Country—and what consultants, brokers, and TPAs need to know to support their tribal partners.
What You'll Learn
The roots of today’s disparities
Explore how historical trauma, systemic underfunding, and geographic isolation have shaped health outcomes for Native populations.
The impact of recent legal decisions
Understand the implications of Rancheria v. Hargan and the Becerra cases—and how they’re reshaping tribal healthcare financing.
Modern solutions and the path forward
Learn how self-funded benefits plans and partnerships with TPAs can help tribal nations expand access, improve care, and create sustainable, culturally competent health solutions.
Who Should Read This
- Benefits consultants and brokers serving tribal nations
- TPAs supporting self-funded healthcare plans
- Tribal leaders exploring healthcare reform
- Policy advocates and healthcare decision-makers
Download the Full White Paper
Take a deeper look into how legal advancements and modern benefit strategies can help close the gap in health equity.
A Brighter Day Ahead
At Luminare Health, we believe in the promise of a better day ahead in healthcare. Every day, we work to light the way, using our expertise, solutions, and consultative approach to guide our clients toward significant savings and growth, all while helping their members achieve their healthiest, most fulfilling lives.
Learn More About What We Do
Learn More About What We Do
