Medicaid Eligibility Calculators
CHIP gives low-cost health coverage to children whose families earn too much for Medicaid. Limits vary by state and can reach about 405% of the poverty level. You apply using the same application as Medicaid, at any time of year.
CHIP income limits by household size
| Household | 200% FPL | 250% FPL | 300% FPL |
|---|---|---|---|
| 2 | $43,280 | $54,100 | $64,920 |
| 3 | $54,640 | $68,300 | $81,960 |
| 4 | $66,000 | $82,500 | $99,000 |
| 5 | $77,360 | $96,700 | $116,040 |
Yearly income from the 2026 poverty guidelines for the contiguous states. See your state's level on the income limits page.
What CHIP covers
- Doctor and well-child visits
- Vaccines and prescriptions
- Hospital and emergency care
- Dental care
- Lab tests and X-rays
- Mental health care
CHIP vs. Medicaid for children
Your application is checked for both, so you don't need to choose. Medicaid includes EPSDT and has very low costs. Separate CHIP programs may charge small premiums or copays, and benefits can differ by state.
How to apply
- Check your estimate with the calculator.
- Apply through your state agency or HealthCare.gov.
- Include your child's details and income for the household.
- Respond to any requests.
Parents can apply for a child even if they don't qualify themselves. See also our pregnancy and children guide.
Want a quick estimate?
Try the free Medicaid eligibility calculator.
Try the free Medicaid eligibility calculator.
