The Children’s Health Insurance Program (CHIP) is a state-run program that provides free or low-cost health coverage for children, and in some states, for pregnant people. It is funded by both states and the federal government. You can apply any time of year, and if you qualify, coverage can begin right away.
Who qualifies
Children in families with incomes too high for Medicaid but too low to afford private coverage. Some states also cover pregnant people through CHIP. Each state sets its own income limits and rules.
What it covers
CHIP usually covers doctor visits, checkups, prescriptions, dental and vision care, immunizations, emergency services, and more. The exact benefits can vary by state.
What it costs
Many families pay no premium for CHIP. If your state charges premiums or copays, the total cost is capped at no more than 5% of your family’s annual income.
When to apply
Any time of year. CHIP and Medicaid enrollment is open year-round, not limited to Open Enrollment.
How to apply
Apply through your state’s Medicaid or CHIP agency, or start at HealthCare.gov and you’ll be directed to your state program. You can also apply through the Marketplace Call Center by phone.
When you submit an application through HealthSherpa, you will be screened for both Marketplace coverage as well as Medicaid / CHIP. Start your application at https://www.healthsherpa.com/shopping?_agent_id=nil&carrier_id=nil&source=agent-home or call our team of Consumer Advocates at 855-772-2663.
CHIP vs Medicaid vs Marketplace
Medicaid covers people with very low income, including children, adults, and people with disabilities.
CHIP covers children (and sometimes pregnant people) in families who earn too much for Medicaid but still need affordable coverage.
Marketplace plans are private health insurance options, with monthly premiums and cost-sharing, that anyone can buy; subsidies may be available based on income.