Michigan CHIP Income Limits by Household Size 2026
How much can a family of 4 earn and still qualify?
Medicaid limit
$5,968/mo
217% FPL
MIChild limit
$5,968/mo
217% FPL
Michigan covers children through Medicaid at income levels up to 217% FPL — there is no separate CHIP program. The application and coverage are the same.
| Household size | Medicaid limit (217% FPL) | MIChild limit (217% FPL) | Annual CHIP limit |
|---|---|---|---|
| 1 person | $2,886/mo | $2,886/mo | $34,632/yr |
| 2 people | $3,913/mo | $3,913/mo | $46,956/yr |
| 3 people | $4,940/mo | $4,940/mo | $59,280/yr |
| 4 people | $5,968/mo | $5,968/mo | $71,616/yr |
| 5 people | $6,995/mo | $6,995/mo | $83,940/yr |
| 6 people | $8,022/mo | $8,022/mo | $96,264/yr |
| 7 people | $9,049/mo | $9,049/mo | $108,588/yr |
| 8 people | $10,076/mo | $10,076/mo | $120,912/yr |
| Each additional person | +$1,027/mo | +$1,027/mo | +$12,326/yr |
Last updated: January 2026. Income limits based on 2026 HHS poverty guidelines for 48 contiguous states. MAGI-based income counting. Always verify with Michigan's Medicaid agency.
Quick Michigan CHIP Eligibility Check
How to Apply for MIChild in Michigan
Option 1
Apply at Healthcare.gov
Healthcare.gov lets you apply for Medicaid and CHIP together in one application.
Option 2
Apply through Michigan
Contact Michigan's Medicaid agency directly or visit InsureKidsNow.gov for your state's application portal.
No open enrollment: You can apply for MIChild any time of year. Apply as soon as your child loses other coverage or your income changes.