Frequently Asked Questions
These are common questions we hear from parents exploring children's coverage options.
Is CHIP the same as Medicaid?
No. CHIP (the Children's Health Insurance Program) is a related but separate program from Medicaid. Some states combine them administratively, but CHIP is generally designed for children in families who earn too much for Medicaid but still need affordable coverage. Rules vary by state.
Does my income disqualify my child automatically?
Not necessarily. CHIP income limits for kids are typically higher than adult Medicaid limits. A family that doesn't qualify for Medicaid may still qualify for CHIP. Check your state's specific thresholds rather than assuming ineligibility.
How much does CHIP cost?
It varies by state and household income. Many states charge low or no premiums and modest copays, but exact amounts differ. Confirm current costs with your state program.
Can I apply any time of year?
In most states, CHIP and Medicaid for kids allow year-round enrollment, unlike ACA Marketplace plans which typically have open enrollment windows. Confirm with your state, since rules vary.
What if my child ages out?
CHIP age limits are generally up to 19, though this varies by state. Families are usually notified before a child ages out so they can explore other coverage options in time.
Can I have employer coverage and still apply for CHIP?
You can still apply — some states restrict CHIP if a child already has access to affordable employer coverage, others don't. It's worth applying and letting the state make the call rather than assuming you're excluded.
What documents do I need to apply?
Typically proof of identity, income, state residency, and Social Security numbers for household members applying. Exact requirements vary by state — check your state's CHIP checklist before you start.
What happens if my application is denied?
A denial notice explains the reason and your right to appeal, usually within a set number of days. A separate request-for-information notice isn't a denial — it just means the state needs more documents.
Do I have to reapply every year?
Most states require an annual renewal or recertification to keep CHIP coverage active. Missing a renewal notice, often sent to an old address, is one of the most common reasons families lose coverage unnecessarily.
Is CHIP available in every state?
Yes — every state and Washington, DC runs a CHIP program, either as a standalone program, part of Medicaid, or a combination of both. Specific income limits and covered benefits differ by state.
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If your income is above the CHIP or Medicaid line in your state
Once you understand how your state's eligibility rules work — see our eligibility guide first — comparing employer coverage or subsidized marketplace plans is a reasonable next step.
Compare your options →The CHIP and Kids Coverage Prep Kit
A step-by-step worksheet to gather your documents, understand CHIP terms, and know what to ask before you apply for your child.
Get the free guide →Get help understanding CHIP and children's coverage
Nothing you send here goes anywhere near your family's actual CHIP or Medicaid application — this is just a question to us.