Indiana Medicaid: Healthy Indiana Plan (HIP)

Healthy Indiana Plan (HIP) cost-sharing, which includes copayments and POWER Account contributions, will continue to be paused for both existing and new HIP members.¹

Healthy Indiana Plan (HIP) 2.0 is the State’s alternative to traditional Medicaid, providing health insurance for uninsured adult Hoosiers with income up to 138% of the federal poverty level.

Unlike traditional Medicaid, HIP uses a consumer-driven model featuring Personal Wellness and Responsibility  (POWER) Accounts, which act similarly to health savings accounts to fund initial medical expenses.

Healthy Indiana Plan (HIP) offers four primary plan structures  designed to cover essential health benefits while providing different levels of coverage and cost-sharing based on income and eligibility.

FAQ

HIP PLUS

HIP Plus provides the best value coverage, including dental, vision and chiropractic services. HIP Plus provides health coverage for a low, predictable monthly cost.

If you are in HIP Plus, you contribute a small monthly “premium” into your POWER account. This amount is usually between $1 and $20, depending on your income.

HIP BASIC

HIP Basic is a fallback option for those with income at or below 100% of the federal poverty level who do not make monthly POWER Account contributions.

It covers essential benefits but excludes dental and vision. No monthly contribution is required, but members must pay copayments for services.²

HIP MATERNITY

HIP offers enhanced benefits for pregnant members, called HIP Maternity, covering vision, dental, chiropractic care, and non-emergency rides at no cost.

Once approved, coverage now lasts for 12 months after the baby is born, regardless of changes in income.

HIP STATE PLAN

Reserved for individuals with complex health needs or low-income parents and caretakers, providing a broader range of services equivalent to traditional Medicaid.

What is the income limit for Medicaid in Indiana?

Individual adults age 19—64 with annual income of up to $1,835 may qualify for the Healthy Indiana Plan (HIP). Pregnant women in Indiana can qualify for Medicaid with higher income thresholds.

How do I apply for Indiana Medicaid?

Applications for Medicaid are available online through FSSA Benefits Portal , or in person at a local Division of Family Resources (DFR) office.

Indiana Family and Social Services Administration
Medicaid Member Services / Eligibility
(800) 403-0864