Children’s Medicaid and CHIP

Children in Texas without health insurance might be able to get low-cost or free health coverage through Children's Medicaid or the Children's Health Insurance Program.

Children's Medicaid is a health care program for children in low-income families. CHIP is a health care program for children whose families earn too much to get Medicaid but cannot afford health insurance.

To get Medicaid or CHIP, a child must be age 18 and younger (in some cases children with disabilities age 19 and 20 can get Medicaid). They must also be a Texas resident and a U.S. citizen or qualified non-citizen.

When you apply, we'll ask about your family's income to see which programs your child can get.

Apply for Medicaid and CHIP

Services Covered by Medicaid and CHIP

  • Regular checkups at the doctor and dentist
  • Medicine and vaccines
  • Hospital care and services
  • X-rays and lab tests
  • Vision and hearing care
  • Access to medical specialists and mental health care
  • Treatment of special health needs and pre-existing conditions

These services are provided by health plans. If your child gets Medicaid or CHIP, you will choose a plan from the ones available in your service area.

Children with Disabilities

Children with disabilities can get long-term services and supports through Medicaid. These services can include:

  • Home care and personal care, like having someone help monitor your child's health and help them with daily activities.
  • Having someone help take your child to their medical appointments.
  • Nursing home care.
  • A hospital for mental illnesses.
  • A place of care for people with intellectual disabilities.

Learn about Medicaid programs for children and adults with disabilities.

CHIP does not cover long-term services and supports.

If you have a child with a disability and make too much money to get Medicaid, you might be able to get coverage through the Medicaid Buy-In for Children program. MBIC allows families of children with disabilities to make a monthly payment to get Medicaid coverage.

Learn about other programs and services for people with disabilities.

Income Guidelines for Children's Medicaid

Your income is the money you get paid before taxes are taken out. Find your family size on the table below. If your monthly income is the same or less, your child might get Children's Medicaid.

Family Members (Adults plus children) Monthly Family Income
1* $1,415
2 $1,931
3 $2,408
4 $2,904
For each additional person, add: $497

*A family of one might be a child who does not live with a parent or other relative.

If your income is higher than the limits listed above, check the limits below for CHIP.

Income Guidelines for CHIP

Your income is the money you get paid before taxes are taken out. Find your family size on the table below. If your monthly income is the same or less, your child might get CHIP.

Family Members (Adults plus children) Monthly Family Income
1* $2,138
2 $2,918
3 $3,639
4 $4,389
For each additional person, add: $751

*A family of one might be a child who does not live with a parent or other relative.

How Much Does It Cost?

Children's Medicaid is free.

If we find your child can get Children's Medicaid, there is no cost to receive services.

CHIP fees vary based on your income.

If we find your child can get CHIP, your enrollment fee and co-pays will be based on your family's income. Enrollment fees are $50 or less per family, per year.

Co-pays for doctor visits and medicine range from $3 to $5 for lower-income families and $20 to $35 for higher-income families.

Need Services? Apply for Benefits.