Children’s Health Insurance Program (CHIP): Find an Affordable Child Care

Learn about the Children's Health Insurance Program and how you can find low-cost or free child care with this government-funded program. Read on to learn more!


by Suzana Brito

12/09/2022 | Updated on 01/18/2023

Millions of children rely on CHIP for health care

kids in a green background
This program can help you afford Childcare for your children. Source: The Mad Capitalist

If you’re a parent in the USA, you know finding affordable child care is challenging.  The Children’s Health Insurance Program (CHIP) covers children and pregnant women without access to other health insurance.

Kid being examined

How to apply for CHIP

A detailed description of how to apply for the Children's Health Insurance Program. Find out more here!

CHIP is free or low-cost, depending on your income. So if you’re looking for affordable child care, check out this post to understand how it works and what the program covers. Read on!

What is the Children’s Health Insurance Program (CHIP)?

The Children’s Health Insurance Program (CHIP) is a federal health insurance program that provides affordable healthcare coverage for children in families with low to moderate income.

It was created to ensure that all children have access to the care they need, regardless of their family’s financial situation.

Congress established the Children’s Health Insurance Program (CHIP) in 1997 as part of the Balanced Budget Act.

It is managed by both state and federal governments and funded through a combination of state funds and matching federal funds from the U.S. Department of Health and Human Services (HHS).

The state manages CHIP according to its rules, and the program might have a different name depending on the region. For example, in N.Y., it’s called Child Health Plus, and in Arkansas, ARkids.

Overall, it provides health insurance coverage for children in families with incomes too high to qualify for Medicaid but too low to afford private health insurance plans.


What are the benefits included in the Children’s Health Insurance Program?

sick kid
Find out how CHIP can help your kids. Source: Pexels

CHIP covers a wide range of medical services, including doctor visits, hospital stays, and tests/treatments necessary for diagnosing or treating medical conditions or injuries. CHIP typically includes:

  • Annual check-ups;
  • Immunizations;
  • Doctor visits;
  • Hospital care;
  • Dental and vision care;
  • Prescriptions;
  • Laboratory services;
  • X-rays and emergency services.

Some states also extend this health insurance coverage to parents and pregnant women. Additionally, most states offer additional benefits such as vision, hearing screenings, and dental care at no extra cost.

Depending on your state, there may also be additional benefits such as mental health services or home health care available through CHIP programs.

As with any health plan, it’s important to check your state’s specifics before enrolling Children’s Health Insurance Program. This will help you make sure you receive the best possible coverage for your particular needs.


How much is CHIP?

Most medical services that CHIP covers are unpaid. However, some of them need co-payment. Also, some states need to pay a monthly premium of up to 5% of the annual household income.

How to apply for the program?

If you think you might need CHIP assistance, keep reading to learn how to apply for the Program. Check out our post below!

Kid being examined

How to apply for CHIP

A detailed description of how to apply for the Children's Health Insurance Program. Find out more here!

About the author

Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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