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
Maximum Age: 18
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.
Other Healthcare Programs
Free or low-cost comprehensive health coverage for low-income adults and families.
Medicare Extra HelpHelps pay Medicare prescription drug plan costs for people with limited income.
Medicare Savings ProgramsHelps pay Medicare premiums, deductibles, and copays.
ACA Premium Tax CreditLowers monthly health insurance premiums through the Marketplace.