CHIP
Low-cost health coverage for children in families that earn too much for Medicaid.
Overview
CHIP is administered by the Centers for Medicare & Medicaid Services. Avg $200–$500/month per child.
Income limits vary by state (200%–300% FPL).
Eligibility Requirements
Income Limit
Below 250% FPL
2026 Income Limits
Federal baseline. Some states have higher limits.
CHIP income limit in the contiguous US: 250% of the Federal Poverty Level (FPL). Based on 2026 HHS poverty guidelines.
| Household Size | 2026 FPL | Annual Limit (250%) | Monthly Limit |
|---|---|---|---|
| 1 person | $15,060 | $37,650 | $3,138 |
| 2 people | $20,440 | $51,100 | $4,258 |
| 3 people | $25,820 | $64,550 | $5,379 |
| 4 people | $31,200 | $78,000 | $6,500 |
| 5 people | $36,580 | $91,450 | $7,621 |
| 6 people | $41,960 | $104,900 | $8,742 |
| 7 people | $47,340 | $118,350 | $9,863 |
| 8 people | $52,720 | $131,800 | $10,983 |
Each additional person adds approximately $5,380 to the FPL base ($13,450 at 250%).
Required Documents
CHIP by State
Income limits and rules vary by state. Find yours.
View all 51 states
Frequently Asked Questions
What is CHIP?
Low-cost health coverage for children in families that earn too much for Medicaid.
How much is CHIP worth?
$2,400 to $6,000 per year. Avg $200–$500/month per child
What documents do I need?
You'll need: Child's birth certificate, Proof of residency, Proof of income, Child's SSN.
How long does processing take?
7-30 days from submission.
How often do I renew?
Every 12 months.