The Children's Health Insurance Program (CHIP) provides health coverage for children in families whose incomes are too high to qualify for Medicaid but too low to afford private insurance. Income eligibility varies by state, ranging from 170% to 400% of the federal poverty level. For a family of four, this means earning around $66,000 or more may still qualify for coverage.
CHIP covers essential health services, including doctor visits, vaccinations, hospital care, dental and vision care, and prescription drugs. Costs are low, with many states charging no premiums or minimal copayments.
There are three main ways states structure CHIP: as a Medicaid expansion, a separate program, or a combination of both. Regardless of structure, families apply through the same process used for Medicaid, often via a single application form.
For pregnant women, some states offer CHIP perinatal coverage, which provides care for the mother during pregnancy and for the child after birth. This can help ensure continuous coverage from pregnancy through the child's early years.
CHIP is a vital safety net, helping millions of children access healthcare when they would otherwise fall into a coverage gap.