Children's Health Insurance (CHIP)
Low-cost health coverage for children in families above Medicaid limits.
About This Program
CHIP fills the gap between Medicaid and private insurance for children. Families that earn too much for Medicaid — but too much doesn't mean much in this context; CHIP extends to 200–300% of the federal poverty level in most states — can enroll their children in CHIP at very low cost. Monthly premiums for CHIP are typically $0–$50, and copays are minimal, often $5–$15 per visit. CHIP covers the same core services as Medicaid for children: well-child visits, immunizations, dental care, vision, prescriptions, hospital care, mental health services, and emergency care. Some states have particularly robust CHIP dental benefits — periodic cleanings, X-rays, and orthodontics for medically necessary cases. You apply for CHIP the same way you apply for Medicaid — through your state's Medicaid agency or Healthcare.gov. The systems screen for both programs simultaneously, so you do not need to know in advance which program your child qualifies for. If your child's income falls in a gray area, the system will determine eligibility. CHIP also covers pregnant women in some states — check your state's rules. Like Medicaid, CHIP has no open enrollment period and accepts applications year-round. Children approved for CHIP often have a 12-month continuous eligibility period, meaning coverage does not end mid-year even if family income rises during that time.
Eligibility Requirements
| Income | Varies by state — generally up to 200-300% FPL |
| Other | Children under 19 |
Frequently Asked Questions
What does CHIP cover?
CHIP provides comprehensive coverage for children: well-child visits, immunizations, doctor visits, hospital care, dental care, vision care, prescriptions, mental health care, and emergency services. Coverage is similar to Medicaid for children — the main difference is CHIP may have small premiums and copays depending on your state and income.
Is there a waiting period for CHIP?
Federal law allows states to impose a 90-day waiting period for CHIP if the child had employer-sponsored insurance in the past 90 days. However, states may waive this requirement, and it does not apply to children who are uninsured due to job loss or other qualifying events. Many states have eliminated the waiting period.
What is the income limit for CHIP?
Income limits vary by state and child age — most states cover children up to 200% or 300% of the Federal Poverty Level (FPL). For a family of four, 200% FPL is about $62,400/year in 2024. A few states cover up to 400% FPL. Apply at healthcare.gov to see your specific state's limits.
Can pregnant women get CHIP?
Many states have extended CHIP to cover pregnancy for women who do not qualify for Medicaid. Check your state's rules — some states cover prenatal care and labor and delivery under CHIP for women up to 200-300% FPL.
What happens when my child turns 19?
CHIP covers children up to age 18 (19 in some states). When your child ages out, they can transition to: Medicaid (if still income-eligible), a Marketplace plan through healthcare.gov (CHIP loss is a qualifying event for Special Enrollment), or a parent's employer plan if available. Plan ahead — apply before coverage ends.
Related Programs
Medicaid
Free or low-cost health coverage for low-income individuals and families.
WIC
Nutrition support for pregnant women, new mothers, and young children.
SNAP (Food Stamps)
Monthly grocery benefits for low-income households.
Child Care Assistance (CCAP)
Subsidized childcare for working low-income families.
Eligibility requirements may have changed. Verify at the official source before applying.
Benefit Amount
Free or low-cost — copays up to $35
Application Guide
How to Apply for CHIP (Children's Health Insurance) →Category
HealthcareLast reviewed: May 2025