Kentucky CHIP Income Limits by Household Size 2026
How much can a family of 4 earn and still qualify?
Medicaid limit
$4,510/mo
164% FPL
Kentucky CHIP limit
$5,995/mo
218% FPL
Kentucky covers children through Medicaid at income levels up to 218% FPL — there is no separate CHIP program. The application and coverage are the same.
| Household size | Medicaid limit (164% FPL) | Kentucky CHIP limit (218% FPL) | Annual CHIP limit |
|---|---|---|---|
| 1 person | $2,181/mo | $2,899/mo | $34,788/yr |
| 2 people | $2,957/mo | $3,931/mo | $47,172/yr |
| 3 people | $3,734/mo | $4,963/mo | $59,556/yr |
| 4 people | $4,510/mo | $5,995/mo | $71,940/yr |
| 5 people | $5,286/mo | $7,027/mo | $84,324/yr |
| 6 people | $6,063/mo | $8,059/mo | $96,708/yr |
| 7 people | $6,839/mo | $9,091/mo | $109,092/yr |
| 8 people | $7,615/mo | $10,122/mo | $121,464/yr |
| Each additional person | +$776/mo | +$1,032/mo | +$12,382/yr |
Last updated: January 2026. Income limits based on 2026 HHS poverty guidelines for 48 contiguous states. MAGI-based income counting. Always verify with Kentucky's Medicaid agency.
Quick Kentucky CHIP Eligibility Check
How to Apply for Kentucky CHIP in Kentucky
Option 1
Apply at Healthcare.gov
Healthcare.gov lets you apply for Medicaid and CHIP together in one application.
Option 2
Apply through Kentucky
Contact Kentucky's Medicaid agency directly or visit InsureKidsNow.gov for your state's application portal.
No open enrollment: You can apply for Kentucky CHIP any time of year. Apply as soon as your child loses other coverage or your income changes.