Where to Apply

Healthcare.gov — fastest and most reliable; automatically routes to Medicaid or CHIP. Available 24/7. State CHIP/Medicaid website — search "[your state] CHIP apply"; direct state portals may process slightly faster. Your child's pediatrician — many offices have enrollment assisters or can provide referrals. FQHCs — Federally Qualified Health Centers have on-staff enrollment navigators at no cost; find one at findahealthcenter.hrsa.gov.

Documents You Need

  • Child's Social Security number (or documentation of application for SSN)
  • Proof of citizenship or immigration status for the child
  • Child's birth certificate or hospital birth record
  • Photo ID for the parent or guardian applying
  • Household income: recent pay stubs, Social Security award letters, or tax return. Zero income: signed statement.
  • If applicable: documentation of any access to employer-sponsored insurance

The Application Process

Create an account at healthcare.gov, start a new application, and enter your household and income information. The system automatically applies your state's current CHIP and Medicaid income limits. You'll receive a determination: Medicaid, CHIP, or Marketplace (if over both thresholds). Most states process within 45 days; some determine eligibility in real time.

After You Apply

After approval, a CHIP/Medicaid card arrives by mail within 2–4 weeks. Your state CHIP program may be through Medicaid managed care — you'll select a primary care pediatrician from the plan's network. Preventive care (well-child visits, immunizations) can typically begin immediately after enrollment is effective.

Presumptive Eligibility for Immediate Coverage

Hospitals and FQHCs can make a same-day presumptive eligibility determination for CHIP that activates temporary coverage immediately — before the formal application is processed. If your child needs care urgently or you haven't applied yet, go to any FQHC or hospital and ask about presumptive eligibility for CHIP. Temporary coverage is valid until the state makes a formal determination.

Annual Renewal

CHIP renews annually. Your state sends a renewal notice — respond by the deadline. Most children auto-renew through ex parte renewal (electronic income verification) without needing action. If you receive a renewal form, complete and return it promptly. Use the Renewal Reminder System to set an annual reminder.

If You're Over the CHIP Limit

If your income exceeds your state's CHIP threshold, your child is not eligible for CHIP or Medicaid. Check whether your employer's plan is "affordable" under ACA standards for dependent coverage. If not, your child may qualify for a Marketplace plan with premium tax credits. Apply at healthcare.gov to see options.