Children’s Health Insurance Program: For families who earn too much to qualify for Medicaid but still struggle to afford private insurance, the Children’s Health Insurance Program (CHIP) provides a critical safety net. This federal and state partnership offers affordable, comprehensive health insurance to children and, in some states, pregnant women, ensuring they receive the care they need to grow up healthy and strong.
Since its establishment in 1997, CHIP has helped reduce the number of uninsured children in the U.S., providing millions with access to essential healthcare services.
What Is CHIP?
The Children’s Health Insurance Program is a government-funded initiative designed to provide low-cost health insurance to children from low- and moderate-income families. Each state runs its own CHIP program, with flexibility to set eligibility rules and coverage options, but all programs follow federal guidelines.
CHIP covers a wide range of services, including:
- Doctor visits
- Vaccinations
- Prescription medications
- Routine checkups
- Dental and vision care
- Emergency care and hospital stays
CHIP benefits are similar to those offered by Medicaid, but the program specifically targets families that don’t qualify for Medicaid but can’t afford private insurance.
Who Is Eligible for CHIP?
Eligibility requirements vary by state, but in general:
- Children under 19 years old are eligible if their family income falls between 133% and 400% of the federal poverty level.
- In many states, pregnant women may also qualify for CHIP.
- U.S. citizenship or lawful residency is required for the child, though states may have different rules for immigrant families.
Some states offer coverage for parents as well, though this is less common. Families typically pay no more than 5% of their annual income for CHIP premiums and out-of-pocket costs, keeping care affordable.
How to Apply for CHIP
Applying for CHIP is straightforward and can be done in several ways:
- Online: Visit HealthCare.gov or your state’s Medicaid/CHIP website to apply.
- By Phone: Call 1-877-KIDS-NOW (1-877-543-7669) to connect with your state’s program.
- In Person: Visit a local state Medicaid office or health department for assistance.
Families can enroll year-round, with no open enrollment periods, making CHIP accessible whenever it’s needed.
Why CHIP Matters
Healthcare access during childhood lays the foundation for a lifetime of good health. Studies show that children with health insurance are more likely to:
- Receive necessary immunizations and preventive care.
- Avoid costly and preventable hospital visits.
- Perform better in school due to fewer sick days and better overall well-being.
The CHIP program also alleviates financial stress for families, allowing parents to focus on other essential needs without worrying about medical bills.
Take Action Today
If you’re unsure whether your family qualifies for CHIP, don’t hesitate to check your eligibility. The program is designed to bridge the gap for families who need help most, ensuring every child has a healthy future.
For more information, visit InsureKidsNow.gov or call 1-877-KIDS-NOW.
