What Is CHIP and Who Qualifies in 2026?
CHIP provides low-cost comprehensive health coverage to children in families with incomes too high for Medicaid but who can't afford private insurance. Most states cover children in families earning up to 200–300% FPL. Premiums are low or free.
CHIP covers doctor visits, hospital stays, immunizations, prescriptions, dental, and vision care. Many states also cover postpartum care for mothers. Children up to age 19 may qualify. In most states, you apply for CHIP and Medicaid through the same application.
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Benefits Match Quiz
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One quiz, all programs
Check CHIP and Medicaid eligibility for your child plus every other program your household may qualify for.
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CHIP Income Limits by State
Up to 400% FPL
Varies significantly by state
See the exact CHIP income limit for your state and household size.
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CHIP Application Guide
Step-by-Step
Takes about 20 minutes
Follow our complete guide to applying for CHIP in your state, including what documents you'll need.
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2026 CHIP Income Limits — Selected States
2026 CHIP Income Limits — Selected States
Income limits vary significantly by state
| State Example | CHIP Limit (% FPL) | Monthly Income (Family of 4) |
|---|---|---|
| California | 322% FPL | Up to $7,992/mo |
| Texas | 201% FPL | Up to $4,993/mo |
| Florida | 210% FPL | Up to $5,216/mo |
| New York | 400% FPL | Up to $9,934/mo |
| Illinois | 313% FPL | Up to $7,768/mo |
| Most states (avg) | ~255% FPL | Up to $6,332/mo |
Check your specific state for exact limits. Children with higher-cost health needs may qualify even at higher incomes.
How to Apply for CHIP in 2026
1
Apply Through Your State Medicaid Office
In most states, CHIP and Medicaid use the same application — online, by phone, or in person.
Full CHIP Application Guide →
2
Complete the Application
You'll need your child's information, household income, and insurance status. Free, takes about 20 minutes.
3
Receive Your CHIP Card
If approved, your child's CHIP card arrives within 1–2 weeks. Coverage begins on approval date.
4
Renew Annually
CHIP requires annual renewal. If your income drops, you may become eligible for free Medicaid instead.
Not Sure What You Qualify For?
Take the free Benefits Match Quiz — check Medicaid, CHIP, SNAP, and different programs for your child and family.
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