United States Benefit

Children's Health Insurance Program

Also known as: CHIP

CHIP provides low-cost health coverage to children in families that earn too much to qualify for Medicaid but can't afford private insurance.

At a Glance

  • Child must be under 19 years old.
  • Family income must be within state CHIP limits(up to 300% FPL in most states, varies by state).
  • Child cannot be eligible for Medicaid(income too high for Medicaid but qualifies for CHIP).
  • Child cannot be covered under a group health planor other qualifying coverage.
  • + 2 more requirements below

Eligibility Requirements

Age Requirement

Required

Child must be under 19 years old.

age < 19

Income Limit

Required

Family income must be within state CHIP limits(up to 300% FPL in most states, varies by state).

household_income_fpl 300 percent

Not Medicaid Eligible

Required

Child cannot be eligible for Medicaid(income too high for Medicaid but qualifies for CHIP).

medicaid_eligible = false

No Other Coverage

Required

Child cannot be covered under a group health planor other qualifying coverage.

has_other_health_insurance = false

Citizenship/Immigration

Required

Must be a U.S. citizen, national, or qualified immigrant.

citizenship_status in [us_citizen, us_national, qualified_immigrant]

State Residency

Required

Must be a resident of the state where applying.

state_residency exists

Ruleset effective: 2024-01-01

View as JSON
{"service_id":"chip","effective_date":"2024-01-01","rules":[{"id":"age","key":"age","operator":"less_than","value":19,"requirement":"required","label":"Age Requirement","description":"Child must be under 19 years old."},{"id":"income","key":"household_income_fpl","operator":"less_than_or_equal","value":300,"unit":"percent","requirement":"required","label":"Income Limit","description":"Family income must be within state CHIP limits\n(up to 300% FPL in most states, varies by state).\n","source_url":"https://www.medicaid.gov/chip/index.html"},{"id":"not-medicaid-eligible","key":"medicaid_eligible","operator":"equals","value":false,"requirement":"required","label":"Not Medicaid Eligible","description":"Child cannot be eligible for Medicaid\n(income too high for Medicaid but qualifies for CHIP).\n"},{"id":"not-covered","key":"has_other_health_insurance","operator":"equals","value":false,"requirement":"required","label":"No Other Coverage","description":"Child cannot be covered under a group health plan\nor other qualifying coverage.\n"},{"id":"citizenship","key":"citizenship_status","operator":"in","values":["us_citizen","us_national","qualified_immigrant"],"requirement":"required","label":"Citizenship/Immigration","description":"Must be a U.S. citizen, national, or qualified immigrant."},{"id":"residency","key":"state_residency","operator":"exists","requirement":"required","label":"State Residency","description":"Must be a resident of the state where applying."}]}

Quick Info

Agency
CMS
Category
Healthcare
Last Verified
2026-01-13

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