for coverage was calculated using a formula that resulted in a charge between 2%–5% of a person's income. A $1,100 annual deductible was standard on all policies and allowed applicants to qualify for a health savings account. The plan paid a maximum of $300,000 in annual benefits. Property tax reform In 2008, Daniels proposed a property tax ceiling of one percent on residential properties, two percent for rental properties and three percent for businesses. The plan was approved by the Indiana General Assembly on March 14, 2008, and signed by Daniels on March 19, 2008. In 2008, Indiana homeowners had an average property tax cut of more than 30 percent; a total of $870 million in tax cuts. Most money collected through property taxes funds local schools and county government. To offset the loss in revenues to the municipal bodies, the state raised the sales tax from 6% to 7% effective April 1, 2008. Fearing a future government might overturn the statute enforcing property tax rate caps, Daniels and other state Republican leaders pressed for an amendment to add the new tax limits to the state constitution. The proposed amendment was placed on the 2010 General election ballot and was a major focus of Daniels's reelection campaign. In November 2010, voters elected to adopt the tax caps into the Indiana Constitution. Daniels's successes at balancing the state budget began to be recognized nationally near the end of his first term. Daniels was named on the 2008 "Public Officials of the Year" by the Governing magazine. The same year, he received the 2008 Urban Innovator Award from the Manhattan Institute for his ideas for dealing with the state's fiscal and urban problems. Voter registration In the 2005 session of the General Assembly, Daniels and Republicans, with some Democratic support, successfully enacted a voter registration law that required voters to show a government issued photo ID before they could be permitted to vote. The law was the first of its kind in the United States, and many civil rights organizations, including the ACLU, opposed the bill, saying it would unfairly impact minorities, poor, and elderly voters who might be unable to afford an ID or be physically unable to apply for an ID. To partially address those concerns, the state passed another law authorizing state license branches to offer free state photo ID cards to individuals who did not already possess another