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Your Level of Eligibility

Most families receive CHIP coverage for free. Others can get the same benefits at a low cost. Whether CHIP is free or low cost depends on the number of people in your household as well as your total household income.

For free CHIP, there are no premiums or copays. Premiums and copays apply for low-cost and full-cost CHIP.

Find out if you qualify for free or low-cost CHIP

You can refer to the CHIP income chart to help determine where your family income may fall.

Even if your household income is too high for the free program, you may qualify for CHIP at costs that are very reasonable for comprehensive, quality coverage.

View the 2021 CHIP Income Guidelines Chart to see the average monthly cost per child.

If your household income is below CHIP guidelines

If your household income is below the lowest amount listed in the CHIP income chart, your child or teen may be eligible for the Department of Human Services’ Medical Assistance program instead of CHIP.