They get everything for free (housing, health care, etc.)
Healthcare: When it comes to healthcare, it is true that individual tribal members can receive many health services for free. This healthcare is provided as a service to many Native American tribes negotiated as part of a treaty settlement with the United States government. For most tribes, this means that a registered tribal member is able to receive free healthcare at their local Indian Health Services (IHS). This system, while providing crucial services to many youth, families and elders, does have some shortcomings. For this reason, tribal members who work for the tribe or in other governmental or private companies off the reservation seek health insurance benefits for their families like most working American families. The health benefits provided to tribal employees are similar to the insurance other governmental employees have. This differs from the free healthcare provided to all registered tribal members because the IHS system limits beneficiaries to only the providers available at the IHS clinic, while the tribal insurance operates on a preferred provider network like many private insurance plans, allowing beneficiaries to seek healthcare from providers they select within their network. In Arizona, if tribal members do not have health benefits through their jobs, they may also apply for AHCCCS (which is the Arizona Medicaid option for low-income individuals and families) or use the Indian Health Service clinics.
Housing: Tribal members are also able to apply for government subsidized housing. For instance, the White Mountain Apache tribe has its own housing authority division, which is run much like the government housing authorities in various states and often found in urban centers. According to government regulations both on and off reservations, applicants for subsidized housing must meet certain income requirements to qualify for reduced-price housing. In most cases, the family unit who qualifies must pay 1/3 of their combined monthly income for housing. This is the case whether the person has a job or if they are living on government assistance such as disability benefits, unemployment benefits, social security, or TANF (Temporary Aid for Needy Families, a national needs-based income assistance program). One challenge with government subsidized housing both on and off the reservation in areas with high poverty and unemployment rates is that there is not enough housing for everyone who qualifies and applies. For the White Mountain Apache tribe, this results in long waiting lists for housing, which may be one contributing factor to overcrowding in homes on the reservation.