Healthy Indiana Plan (HIP 2.0)

The Healthy Indiana Plan (HIP) 2.0 covers Indiana residents who meet the following criteria:

  • Age 19-64
  • Income under approximately 138% of the federal poverty level (FPL)
  • Not eligible for Medicare or other Medicaid categories

The Healthy Indiana Plan (HIP) has three pathways to coverage: 

HIP Plus
The initial plan selection for all members is HIP Plus which offers the best value for members. HIP Plus has comprehensive benefits including vision and dental. The member pays an affordable monthly POWER account contribution based on income. There is no copayment required for receiving services with one exception: using the emergency room where there is no true emergency.

HIP Basic
HIP Basic is the fallback option for members with household income less than or equal to 100 percent of the federal poverty level (FPL) who don't make their POWER account contributions. The benefits are reduced. The essential health benefits are covered but not vision or dental services. The member is also required to make a copayment each time he or she receives a health care service, such as going to the doctor, filling a prescription or staying in the hospital. These payments may range from $4 to $8 per doctor visit or prescription filled and may be as high as $75 per hospital stay. HIP Basic can be much more expensive than HIP Plus.

HIP Link
HIP Link will be an option for eligible members who work and have access to their employer's health plan. HIP Link members will also have a POWER account and contribute to their coverage like other HIP members. But with HIP Link, the POWER account can be used to pay the insurance premiums and out-of-pocket medical expenses associated with the member's employer-sponsored plan.

The employer must choose to participate in HIP Link and be registered with the state. Employers also must contribute 50 percent of the member's premium. Members can receive counseling on whether their employer plan would be best suited for them.

POWER account:
In the HIP program, the first $2,500 of covered medical expenses is paid for out of a special savings account called a Personal Wellness and Responsibility (POWER) account. Monthly POWER account contributions are determined by income and family size and are approximately 2% of annual family income. As long as members make their required monthly POWER account contributions, they will have no other costs. The only exception to this is a charge of up to $25 if a member goes to the hospital emergency room for a non-emergency.

There are two distinct levels of coverage in HIP 2.0: HIP Plus and HIP Basic. Each covers medical expenses such as doctor visits, hospital care, therapies, medications, prescriptions and medical equipment. HIP Plus offers members the best value and, unlike HIP Basic, also covers vision and dental care, and even bariatric surgery.

How to Apply


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