Low-income Hoosiers have an additional option available when it comes to health insurance. The Healthy Indiana Plan, also known as HIP 2.0, continues to see success, while providing more than 400,000 low-income Hoosiers with health insurance. Before HIP 2.0 was established, over half of those Indiana residents were uninsured. As a health-care provider, it is my belief that every Hoosier no matter their income level should have access to health insurance.
Unlike traditional Medicaid programs, HIP 2.0 empowers its members to be responsible for their health care by giving them the opportunity to make monthly contributions based on their income. Similar to a health savings account, the first $2,500 of medical expenses for covered services are paid for by a Personal Wellness and Responsibility (POWER) account. Individuals making contributions to this POWER account will be enrolled in the HIP Plus plan, which covers essential health benefits including vision and dental. The goal through HIP 2.0 is to emphasize personal responsibility and give Hoosiers the ability to make decisions about their health.
HIP 2.0 also offers a program for those who are not financially capable of making contributions to a POWER account. The HIP Basic plan is for Indiana residents with household incomes less than or equal to 100 percent of the federal poverty level. To find out income qualifications to enroll in HIP 2.0, visit www.in.gov/fssa/hip/2460.htm.
A key feature of HIP 2.0 is HIP Link, which is offered to eligible members who work and have access to their employer’s insurance plan. This allows Hoosiers to still have a POWER account and contribute to their coverage, while also using their account to pay the insurance premiums and outside costs associated with their employer plan. In addition, there is the Gateway to Work program, which is free and voluntary to help connect members with career assessment and job training services. Gateway to Work invites participants to attend hiring events with employers throughout the state. This gives much-needed assistance to Hoosiers looking to find employment or those who are striving to become more self-sufficient.
For two years, HIP 2.0 has allowed Hoosiers to take personal responsibility for their health care. This consumer-driven plan provides more healthy options to Indiana residents, and it is important that we continue to spread the word about this program. For more information or to enroll in HIP 2.0, visit www.HIP.in.gov or call 1-877-GET-HIP9.
As always, please contact me with questions or input at 317-232-9833 or by email at email@example.com. I appreciate hearing from you in order to better represent our district. Stay up-to-date with the work being done at the Statehouse by signing up to receive my email updates at www.in.gov/h75.
State Rep. Ron Bacon (R-Chandler) represents House District 75,
which includes portions of Warrick, Pike and Spencer counties.
A high-resolution photo of Bacon can be downloaded by clicking here