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CHIP: Children's Health Insurance Program

CHIP gives low-cost health coverage to children in families that earn too much to qualify for Medicaid. Some states also cover pregnant women. 2026 limit for a family of four: $66,000 a year.

Who can qualify

Run by: Centers for Medicare & Medicaid Services and state agencies

  • Uninsured children up to age 19.
  • Income limits are set by each state. In most states, children in families earning up to at least 200% of the poverty guidelines qualify for Medicaid or CHIP.

CHIP income limits by household size

Reference level only. Your state's CHIP limit may be higher or lower.

Household sizePoverty guideline (2026, yearly)200% of the poverty guidelines (200%)
1 person$15,960$31,920
2 people$21,640$43,280
3 people$27,320$54,640
4 people$33,000$66,000
5 people$38,680$77,360
6 people$44,360$88,720
7 people$50,040$100,080
8 people$55,720$111,440

For each additional person, add $5,680 to the yearly poverty guideline. Figures are rounded up to the next dollar, as agencies do. Source: HHS 2026 poverty guidelines for the 48 contiguous states and D.C.

How to apply for CHIP

  1. 1Apply any time through your state Medicaid or CHIP agency, or through HealthCare.gov.
  2. 2Coverage includes checkups, vaccines, doctor and hospital visits, dental and vision care.

CHIP in your state

Each state page shows limits for that state, including Alaska and Hawaii.

Frequently asked questions

What is the CHIP income limit for a family of four?
In the 48 contiguous states and D.C., the 200% of the poverty guidelines for a household of four is $66,000 a year, based on the 2026 HHS poverty guidelines. Alaska ($82,500) and Hawaii ($75,900) are higher.
Where do I apply for CHIP?
Apply any time through your state Medicaid or CHIP agency, or through HealthCare.gov. Use the official links on this page. Applying is free.