CHIP Eligibility Calculator

This calculator estimates if your child or children are likely to qualify for the Children's Health Insurance Program (CHIP) in 2026. CHIP provides low-cost health coverage for children in families who earn too much to qualify for Medicaid but cannot afford private insurance. Understanding eligibility is crucial for ensuring your children have access to essential healthcare services, preventing costly medical bills and promoting their well-being.

Our calculator primarily uses your household's Modified Adjusted Gross Income (MAGI) relative to the Federal Poverty Level (FPL) for your family size in 2026. While specific state thresholds vary, most states cover children in families with incomes up to 200% or 250% of the FPL, with some states going even higher. The calculator will provide an estimated eligibility based on general CHIP guidelines, but final determination will be made by your state's Medicaid/CHIP agency.

Remember that this calculator provides an estimate; actual eligibility depends on your state's specific rules, which may include asset tests or other criteria. A common mistake is not including all household members or income sources when calculating MAGI, which can lead to an inaccurate estimate. Also, even if you don't qualify for CHIP, your children may still be eligible for Medicaid, so it's always worth applying.