Children's Health Insurance Program (CHIP)
Last updated October 15, 2026
CHIP provides low-cost health coverage to children in families that earn too much to qualify for Medicaid but cannot afford private insurance. In some states CHIP also covers pregnant women. The program is administered by each state within federal rules set by the Centers for Medicare & Medicaid Services (CMS).
Who is eligible for CHIP?
Eligibility is based primarily on household income, the number of people in the household, and the child's age (generally under 19). Medicaid and CHIP income limits vary by state and range from as low as 170% up to 400% of the federal poverty level. CHIP is for uninsured children, who must be U.S. citizens or certain qualified non-citizens. After a federal law change that took effect on October 1, 2026, HealthCare.gov says only these immigration statuses are now eligible for full CHIP coverage: lawful permanent resident (green card holder), Cuban or Haitian entrant, and Compact of Free Association (COFA) migrant. Many green card holders must first wait 5 years after getting that status (the 5-year waiting period), unless an exception applies. In states that cover "lawfully residing" children, a child who is lawfully present may qualify for full coverage without the 5-year wait, even with a status not on this list.
What does CHIP cover?
Every state's CHIP program covers a core set of benefits, including routine check-ups, immunizations, doctor visits, prescriptions, dental and vision care, inpatient and outpatient hospital care, laboratory and X-ray services, emergency services, and behavioral health services. Routine well-child doctor and dental visits are free under CHIP.
How much does CHIP cost?
Costs depend on your state and income. Some families pay a modest monthly premium or a small copay for certain services. By federal rule, a family's total CHIP costs cannot exceed 5% of its income for the year, and states cannot charge cost-sharing of any kind for well-baby and well-child care.
How to apply for CHIP
You can apply any time of year — there is no limited enrollment period. Apply through your state Medicaid/CHIP agency, by calling 1-800-318-2596 (TTY: 1-855-889-4325), or through the Health Insurance Marketplace at HealthCare.gov, which forwards your information to your state if your children appear eligible. Learn more at the official source: Medicaid.gov/CHIP.
Frequently Asked Questions
What is the income limit for CHIP?
Income limits are set by each state. Medicaid.gov says Medicaid and CHIP eligibility levels vary by state and range from as low as 170% up to 400% of the federal poverty level. Check your specific state's threshold, since limits differ significantly across states.
Is CHIP the same as Medicaid?
No. CHIP and Medicaid are separate programs, though they work closely together. CHIP covers children in families who earn too much for Medicaid but still need affordable coverage. When you apply, the state checks both programs.
When can I apply for CHIP?
You can apply any time of year. Unlike Marketplace plans, CHIP has no annual open enrollment window — eligible children can enroll whenever they qualify.
Does CHIP cover dental and vision?
Yes. CHIP includes dental and vision coverage, along with check-ups, immunizations, doctor visits, prescriptions, and hospital care. Routine well-child and dental visits are free.
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