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Understand your POWER Account

In HIP, the first $2,500 of your healthcare 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 healthcare.

  • HIP Basic members: The state pays the entire $2,500, but you pay copays for most services and prescriptions.
  • HIP Plus members: The state pays most of the $2,500. You have a small payment each month called a POWER Account contribution (PAC), but you have no copays.

View POWER Account Balance

PAC Tiers Table

The PAC amount for HIP Plus members is based on household income in one of five tiers below.

Federal Poverty Level Tiers Less than 22% 23%-50% 51%-75% 76%-100% 101%-138%
Monthly PAC Single Person $1.00 $5.00 $10.00 $15.00 $20.00
Monthly PAC Spouses $1.00 $2.50 $5.00 $7.50 $10.00
PAC with tobacco surcharge $1.50 $7.50 $15.00 $22.50 $30.00
Spouse PAC when one has tobacco surcharge $1.00 & $1.50 $2.50 & $3.75 $5.00 & $7.50 $7.50 & $11.25 $10.00 & $15.00
Spouse PAC when both have tobacco surcharge (each) $1.50 $3.75 $7.50 $11.25 $15.00


Tobacco Surcharge

If you use tobacco products, there will be an extra charge on your PAC. This tobacco surcharge will increase your monthly PAC contribution by 50%. Tobacco use includes these products:

  • Chewing tobacco
  • Cigarettes
  • Cigars
  • Pipes
  • Hookah
  • Snuff

We have programs and benefits to help you quit smoking. See your member handbook or visit the Health and Wellness page to find tools and resources to help you quit. 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 receive 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. And if you complete preventive care visits, you can save even more!

Prevent, rollover and save!

HIP Plus members
If you receive wellness checkups and screenings and you have money left over in your POWER Account, we’ll double the amount of your credit. It will be determined four months into your next benefit period and will lower the total cost for you! (Note: The amount of your rollover credit cannot be greater than your yearly contribution amount.)

HIP Basic members
When you manage your account well and complete preventive care visits, you can lower your future costs. If you receive these services, like wellness checkups and screenings, you can qualify for a reduced HIP Plus contribution if you choose to move to HIP Plus.

Ask your doctor today about having these services based on your age and gender:

  • Annual physical
  • Mammogram
  • Pap smear
  • Cholesterol testing
  • Blood glucose screen
  • Tetanus-diphtheria screen
  • Flu shot

Page Last Updated: 4/1/21

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