Children's Health Insurance Program (CHIP) Coverage

CHIP provides state-administered health coverage to eligible uninsured children in families whose incomes are too high for Medicaid but too low for affordable private coverage, with pregnancy coverage available in some states.

Uninsured child eligible for the state's CHIP programPregnant person eligible under a state's CHIP option

Entitlement facts

Benefit type: Government benefit. A government-funded or administered benefit, service, coverage program, assistance program, or public access route. Taxonomy definition →
What it unlocks: Child health coverage under the state's CHIP program and, where the state elects it, prenatal, delivery, and postpartum coverage for eligible pregnant people.
Who qualifies: Uninsured child eligible for the state's CHIP program; Pregnant person eligible under a state's CHIP option
Requirements: A child generally must be under 19, uninsured, ineligible for Medicaid, a state resident, within the state's CHIP income range, and a U.S. citizen or qualifying immigrant. State rules and any pregnancy-coverage option vary.
How to activate: Apply through the state Medicaid or CHIP agency or the applicable Health Insurance Marketplace, provide the requested household and eligibility information, and complete state enrollment steps.
Cost basis: Variable by provider or eligibility. The user's out-of-pocket cost cannot be represented by one fixed amount because it depends on provider policy, income, household, geography, selected service, coverage group, subsidy amount, or the underlying program. It may be free, reduced, sliding-scale, or partly paid.
Cost and fees: There is no fee to apply. Some states charge premiums, copayments, or other cost sharing subject to federal limits, while other CHIP coverage is free; confirm the current state terms.
Geography: US, State and territory program rules vary
Personalization: Published eligibility is not described as individually targeted.

EVIDENCE / 1 SOURCE

Eligibility is conditional, not guaranteed.

Check the provider's final terms immediately before applying, depositing funds, spending, or changing a paid relationship.

01Centers for Medicare & Medicaid Services and state CHIP agenciesprovider↗

MACHINE RECORD

{
  "id": "chip-childrens-health-coverage",
  "name": "Children's Health Insurance Program (CHIP) Coverage",
  "provider": "Centers for Medicare & Medicaid Services and state CHIP agencies",
  "entitlement_type": "government-benefit",
  "entitlement_type_label": "Government benefit",
  "entitlement_type_context": {
    "definition": "A government-funded or administered benefit, service, coverage program, assistance program, or public access route.",
    "domain": "public-benefits",
    "archetype": "direct-program",
    "agent_instruction": "Identify the administering jurisdiction and disclose income, household, age, disability, immigration, residence, renewal, fee, and capacity rules that apply."
  },
  "summary": "CHIP provides state-administered health coverage to eligible uninsured children in families whose incomes are too high for Medicaid but too low for affordable private coverage, with pregnancy coverage available in some states.",
  "benefit": {
    "description": "Child health coverage under the state's CHIP program and, where the state elects it, prenatal, delivery, and postpartum coverage for eligible pregnant people.",
    "estimated_value_usd": null
  },
  "discovery": {
    "focus": "public-service",
    "has_estimated_dollar_value": false
  },
  "access": {
    "relationships": [
      "Uninsured child eligible for the state's CHIP program",
      "Pregnant person eligible under a state's CHIP option"
    ],
    "requirements": "A child generally must be under 19, uninsured, ineligible for Medicaid, a state resident, within the state's CHIP income range, and a U.S. citizen or qualifying immigrant. State rules and any pregnancy-coverage option vary.",
    "activation": "Apply through the state Medicaid or CHIP agency or the applicable Health Insurance Marketplace, provide the requested household and eligibility information, and complete state enrollment steps.",
    "cost_basis": "varies",
    "cost_basis_label": "Variable by provider or eligibility",
    "cost_basis_context": {
      "classification": "variable",
      "definition": "The user's out-of-pocket cost cannot be represented by one fixed amount because it depends on provider policy, income, household, geography, selected service, coverage group, subsidy amount, or the underlying program. It may be free, reduced, sliding-scale, or partly paid.",
      "agent_instruction": "Read and disclose the record's fees and requirements; use the most precise bounded price or variation reason available instead of repeating only that cost varies.",
      "variation_patterns": [
        "bounded price range",
        "provider-set price",
        "income-based sliding scale",
        "coverage or service-dependent cost sharing",
        "partial subsidy",
        "directory of programs with different terms"
      ],
      "does_not_mean": [
        "universally free",
        "cost information was necessarily omitted"
      ]
    },
    "fees": "There is no fee to apply. Some states charge premiums, copayments, or other cost sharing subject to federal limits, while other CHIP coverage is free; confirm the current state terms.",
    "personalized": false,
    "regions": [
      "US",
      "State and territory program rules vary"
    ],
    "expires": null
  },
  "status": "verified",
  "last_checked": "2026-08-04",
  "claim_url": "https://www.medicaid.gov/eligibility",
  "source_url": "https://www.medicaid.gov/chip/chip-eligibility-enrollment",
  "source": {
    "primary_url": "https://www.medicaid.gov/chip/chip-eligibility-enrollment",
    "evidence": [
      {
        "source": "Centers for Medicare & Medicaid Services and state CHIP agencies",
        "url": "https://www.medicaid.gov/chip/chip-eligibility-enrollment",
        "kind": "provider",
        "checked_at": "2026-08-04"
      }
    ]
  },
  "parent": null,
  "coverage": {
    "level": "national",
    "family": "health-and-counseling",
    "jurisdiction": "United States",
    "maturity": "direct"
  },
  "web_url": "/benefits/chip-childrens-health-coverage",
  "taxonomy": {
    "version": "1.0",
    "url": "/api/v1/taxonomy"
  }
}

View JSON ↗

Children's Health Insurance Program (CHIP) Coverage

Entitlement facts

Eligibility is conditional, not guaranteed.

More conditional benefits.

21st Century Community Learning Centers

988 Suicide & Crisis Lifeline

ABQ RIDE Zero Fares