The State seeks to work in partnership with a respondent to develop and test hypotheses assessing the effectiveness of the Health Indiana Plan (HIP) program. The demonstration is guided by five comprehensive goals: 1. Improve health care access, appropriate utilization, and health outcomes among HIP members; 2. Discourage tobacco use among HIP members through premium surcharge and the utilization of tobacco cessation benefits; 3. Promote member understanding and increase compliance with payment requirements by changing the monthly POWER Account payment requirement to a tiered structure; 4. Ensure HIP program policies align with commercial policies, encourage members understanding, and promote positive member experience and minimize gaps in coverage; 5. Assess the costs to implement and operate HIP and other non-cost outcomes for the demonstration