CHIP
A federal-state partnership that provides low-cost health insurance to children in families who earn too much to qualify for Medicaid but cannot afford private insurance.
In most states, children in families earning up to 200%-300% of the Federal Poverty Level are eligible.
CHIP covers routine check-ups, immunizations, prescriptions, dental care, and vision care.
Some states also extend CHIP to pregnant women.
→ CHIP enrollment is year-round with no enrollment period restrictions.
Also known as
Related terms
- ACA (Affordable Care Act)
A federal law (signed 2010) that expanded access to health insurance by creating the Health Insurance Marketplace, establishing income-based subsidies, and requiring insurers to cover pre-existing conditions.
- Federal Poverty Level
An income measure published annually by the U.S. Department of Health and Human Services (HHS), used to determine eligibility for dozens of federal benefit programs.
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Frequently asked questions about CHIP
What is CHIP health insurance?+
CHIP stands for the Children's Health Insurance Program. It helps families get low-cost healthcare for their kids. If your family makes too much money for Medicaid but struggles to pay for private insurance, CHIP can help. It's a program that works with both the federal government and your state.
Who can get CHIP healthcare for their children?+
Children in families who earn too much money to get Medicaid but not enough to easily afford private health insurance can qualify for CHIP. Each state has its own income rules, so what counts as too much or not enough can be different depending on where you live. It's best to check with your state's program.
How do I apply for the CHIP program?+
You can apply for CHIP through your state's Medicaid or CHIP agency. You might be able to apply online, by mail, or in person. You will need to share information about your family's income and number of children. The application checks if your family qualifies for either Medicaid or CHIP.
What does CHIP cover for my child?+
CHIP offers comprehensive health coverage for children. This usually includes regular doctor visits, check-ups, immunizations (shots), hospital care, and dental and vision services. It's meant to cover most of the healthcare needs your child might have.