CHIP Eligibility Calculator

Families whose earnings exceed the Medicaid line yet fall short of affording private coverage often land in a gap that the Children's Health Insurance Program (CHIP) is designed to fill, offering low-cost care for kids in 2026. The estimate here gauges whether your child or children are likely to qualify. Confirming eligibility means steady access to checkups, treatment, and the care that keeps medical bills from spiraling.

The core input is your household's Modified Adjusted Gross Income (MAGI) measured against the Federal Poverty Level (FPL) for your family size in 2026. Thresholds differ by state, but coverage commonly extends to children in families earning up to 200% or 250% of the FPL, and a number of states set the bar higher still. What you get back is a general read on eligibility; the binding decision rests with your state's Medicaid and CHIP agency.

Because state rules govern the final outcome, including asset tests and other criteria some states impose, treat this as an approximation rather than a verdict. Leaving out a household member or a stream of income skews the MAGI figure and the result along with it. And a CHIP denial doesn't close the door, since children who miss its limits may still qualify for Medicaid, which makes applying worthwhile either way.