Can my child get CHIP if I have insurance through work?

The short answer

Yes. Your child can get CHIP (the Children's Health Insurance Program) even if you have health insurance through work. CHIP is designed for uninsured children in families that earn too much to qualify for Medicaid. If your child is not covered by your work insurance, they can apply.

Why having work insurance doesn't automatically disqualify your child

CHIP looks at whether your child has health coverage, not whether you do. If your work insurance doesn't cover your child—or if you can't afford to add them—your child is still considered uninsured for CHIP purposes.

Your family's income is what matters most for CHIP eligibility. Each state sets its own income limits. In most states, CHIP covers children in families earning between 130% and 400% of the federal poverty level, though this varies.

What you need to know before applying

CHIP is low-cost or free, depending on your state. You can apply anytime during the year. Applications are free, and only your state decides if your child qualifies based on income and other factors.

You can apply through your state's CHIP program or through HealthCare.gov. Each state runs its own CHIP program and sets its own costs, so check your state's rules.

What to do next

Look up your state's CHIP income limits to see if your family qualifies. Then apply through your state or HealthCare.gov. Have your income information and your child's Social Security number ready.