<?xml version="1.0" encoding="UTF-8"?>
<urlset
  xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
>
  <!-- Homepage -->
  <url>
    <loc>https://tribaltpa.com/</loc>
    <lastmod>2025-12-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Tribal Health (hub and subpages) -->
  <url>
    <loc>https://tribaltpa.com/tribal-health/</loc>
    <lastmod>2025-12-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tribaltpa.com/tribal-health/mlr-and-payer-of-last-resort/</loc>
    <lastmod>2025-12-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://tribaltpa.com/tribal-health/tribal-stop-loss-insurance/</loc>
    <lastmod>2025-12-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Tribal Liability (hub and subpages) -->
  <url>
    <loc>https://tribaltpa.com/tribal-liability/</loc>
    <lastmod>2025-12-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tribaltpa.com/tribal-liability/self-funded-workers-compensation/</loc>
    <lastmod>2025-12-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Tribal Advantage (general content page) -->
  <url>
    <loc>https://tribaltpa.com/self-funded-tribal-advantage/</loc>
    <lastmod>2025-12-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Utility Pages (lowest priority) -->
  <url>
    <loc>https://tribaltpa.com/contact/</loc>
    <lastmod>2025-12-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://tribaltpa.com/free-analysis/</loc>
    <lastmod>2025-12-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>
