Understand your POWER Account
In HIP, the first $2,500 of your health care expenses are paid with a special savings account called a Personal Wellness and Responsibility (POWER) Account. After the $2,500 in your POWER Account has been spent, Anthem will begin paying for your health care.
HIP Basic members: The state pays the entire $2,500, and you pay copays for services and prescriptions.
HIP Plus members: The state pays most of the $2,500, and you have a small payment each month called a POWER Account contribution (PAC).
Your PAC amount is based on your income and will be in one of 5 tiers — see the PAC Tiers Table below. If you use tobacco products, there will be an extra charge on your PAC. Learn more about the Tobacco Surcharge. See the Tobacco Surcharge section in your member handbook to find out more.
PAC Tiers Table
|Federal Poverty Level Tiers||Monthly PAC Single Person||Monthly PAC Spouses||PAC with tobacco surcharge||Spouse PAC when one has tobacco surcharge||Spouse PAC when both have tobacco surcharge|
|Less than 22%||$1.00||$1.00||$1.50||$1.00 & $1.50||$1.50|
|23%-50%||$5.00||$2.50||$7.50||$2.50 & $3.75||$3.75|
|51%-75%||$10.00||$5.00||$15.00||$5.00 & $7.50||$7.50|
|76%-100%||$15.00||$7.50||$22.50||$7.50 & $11.25||$11.25|
|101%-138%||$20.00||$10.00||$30.00||$10.00 & $15.00||$15.00|
As a HIP member, if you use tobacco, you have the first 12 months of your HIP plan to stop using it. If you don’t, you’ll have a higher POWER Account contribution (PAC). Your PAC payment will have a 50% surcharge added.
Tobacco use includes these products:
- Chewing tobacco
We have programs and benefits to help you quit smoking. You can earn money, too.
Key POWER Account member resources
POWER Account rollover credit
The money you pay into your POWER Account is yours. If there’s money left in the account at the end of the year, you’ll get a credit. This money will roll over and lower what you owe in the next benefit year, if you renew. This is called rollover credit.
HIP Basic members
When you manage your account well and get preventive care, you can lower your future costs. HIP Basic members who get these services, like wellness checkups and screenings, can qualify for a reduced HIP Plus contribution, if you choose to move to HIP Plus.
HIP Plus members
If you get your required wellness checkups and screenings, we’ll double the amount of your credit. It’ll be determined four months into your next benefit period and will lower the cost for you!