North Dakota Children s Health Insurance Program (CHIP)
Last updated: September 30, 2026 · By O.B.
The Children s Health Insurance Program (CHIP) provides low-cost health coverage to eligible North Dakota children in families that earn too much to qualify for Medicaid but still need affordable coverage. CHIP is administered by North Dakota Health and Human Services and helps families afford care like checkups, immunizations, and more.
What CHIP covers
North Dakota CHIP typically helps cover a broad set of services for children, often including checkups, immunizations, doctor and hospital visits, prescriptions, and dental and vision care. Specific covered services depend on the child s eligibility, so North Dakota Health and Human Services is the best source for details.
Who may qualify
North Dakota Health and Human Services says CHIP covers uninsured children through the month they turn 19 who live in families with qualifying incomes; single 18-year-olds with eligible incomes may also apply. A family's Modified Adjusted Gross Income (MAGI) must be greater than the Medicaid level but cannot exceed 205% of the federal poverty level. You may qualify even if your income is near these amounts; the agency makes the decision.
North Dakota CHIP income ceiling by family size (ND HHS)
| Family size | Annual MAGI | Monthly income |
|---|---|---|
| 1 | $32,718 | $2,727 |
| 2 | $44,362 | $3,697 |
| 3 | $56,006 | $4,668 |
| 4 | $67,650 | $5,638 |
| 5 | $79,294 | $6,608 |
| 6 | $90,938 | $7,579 |
| 7 | $102,582 | $8,549 |
| 8 | $114,226 | $9,519 |
| 9 | $125,870 | $10,490 |
| 10 | $137,514 | $11,460 |
For families of more than ten, ND HHS adds $971 a month or $11,644 a year for each additional person.
Source: North Dakota Health and Human Services, Children's Health Insurance Program
How to apply
You can apply for North Dakota CHIP online, by phone, by mail, or in person through North Dakota Health and Human Services. The same application is generally used for Medicaid and CHIP, and the state determines which program a child qualifies for based on household details.
What we could not verify
- The ND HHS table carries no effective date. Its annual figures equal 205% of the 2026 federal poverty guidelines ($15,960 for one person plus $5,680 for each additional person, Federal Register, January 15, 2026), so we believe it is current, but only ND HHS can confirm.
- We have not verified North Dakota's Medicaid income level for children, which is the floor below which a child is covered by Medicaid instead of CHIP.
- We have not verified whether a federal income disregard raises the effective ceiling for an individual child; ask ND HHS.
Official source: ND Health and Human Services — CHIP
Frequently asked questions
What is North Dakota CHIP?
CHIP is the Children s Health Insurance Program, which provides low-cost health coverage to eligible North Dakota children, administered by North Dakota Health and Human Services.
Who qualifies for CHIP in North Dakota?
Income must be above the Medicaid level and no more than 205% of the federal poverty level, which is $32,718 a year for a family of one and $67,650 for a family of four, per ND HHS. You may qualify even if you are close to these amounts.
How do I apply for my child s coverage?
You can apply online, by phone, by mail, or in person through North Dakota Health and Human Services using the same application used for Medicaid.
Check what you may qualify for
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