To amend the Indian Health Care Improvement Act and title 5 of the United States Code to facilitate participation in Federal benefits programs, and for other purposes.

This bill expands eligibility under federal health benefits programs to include employees of Tribal Colleges and Universities (TCUs), alongside existing Indian tribes, tribal organizations, and urban Indian organizations. It amends the Indian Health Care Improvement Act to explicitly allow TCUs (defined under the Higher Education Act) to participate in the Federal Employees Health Benefits (FEHB) Program, enabling their employees to purchase coverage. Additionally, it creates a new "Tribal Insurance Administrative Account" under Title 5 to collect a capped administrative fee (max 3% of average premiums) from tribal employers using the FEHB Program, funding the program's administration. The changes directly affect tribal entities and TCUs seeking to provide federal health benefits to their employees.