The survey found that over a quarter ? 25.3 percent ? of all households either don't have a checking or savings account at all, or have a bank account but still decide to rely regularly on "alternative financial services" like payday lenders and pawn shops. On this day, Daniels is outlining how, in his 1st term, he won bipartisan support for a program known as Healthy Indiana, which provides health insurance and a savings account for Hoosiers who aren't poor enough to qualify for Medicaid but make too little to afford buying coverage for themselves. So far, 50,020 residents have signed up for the program, under which the state gives up to $1,100 per year to each individual's health savings account. Participants also contribute according to their income, and when the account is depleted, a catastrophic insurance plan kicks in to cover any added expenses. It's all paid for with a portion of the state's Medicaid funds, along with an increase in the cigarette tax that Daniels pushed through a reluctant legislature. State education officials gave the State Board of Education a report Thursday that shows for the 1st time the impact of cuts in the state education budget and decreasing tax collections for schools at the state and local level.