Minnesota CHIP Income Limits by Household Size 2026
How much can a family of 4 earn and still qualify?
Medicaid limit
$7,563/mo
275% FPL
MinnesotaCare limit
$7,783/mo
283% FPL
Minnesota covers children through Medicaid at income levels up to 283% FPL — there is no separate CHIP program. The application and coverage are the same.
| Household size | Medicaid limit (275% FPL) | MinnesotaCare limit (283% FPL) | Annual CHIP limit |
|---|---|---|---|
| 1 person | $3,658/mo | $3,764/mo | $45,168/yr |
| 2 people | $4,959/mo | $5,103/mo | $61,236/yr |
| 3 people | $6,261/mo | $6,443/mo | $77,316/yr |
| 4 people | $7,563/mo | $7,783/mo | $93,396/yr |
| 5 people | $8,864/mo | $9,122/mo | $109,464/yr |
| 6 people | $10,166/mo | $10,462/mo | $125,544/yr |
| 7 people | $11,468/mo | $11,801/mo | $141,612/yr |
| 8 people | $12,769/mo | $13,141/mo | $157,692/yr |
| Each additional person | +$1,302/mo | +$1,340/mo | +$16,074/yr |
Last updated: January 2026. Income limits based on 2026 HHS poverty guidelines for 48 contiguous states. MAGI-based income counting. Always verify with Minnesota's Medicaid agency.
Quick Minnesota CHIP Eligibility Check
How to Apply for MinnesotaCare in Minnesota
Option 1
Apply at Healthcare.gov
Healthcare.gov lets you apply for Medicaid and CHIP together in one application.
Option 2
Apply through Minnesota
Contact Minnesota's Medicaid agency directly or visit InsureKidsNow.gov for your state's application portal.
No open enrollment: You can apply for MinnesotaCare any time of year. Apply as soon as your child loses other coverage or your income changes.