Montana CHIP Income Limits by Household Size 2026
How much can a family of 4 earn and still qualify?
Medicaid limit
$3,933/mo
143% FPL
Healthy Montana Kids limit
$7,178/mo
261% FPL
Montana covers children through Medicaid at income levels up to 261% FPL — there is no separate CHIP program. The application and coverage are the same.
| Household size | Medicaid limit (143% FPL) | Healthy Montana Kids limit (261% FPL) | Annual CHIP limit |
|---|---|---|---|
| 1 person | $1,902/mo | $3,471/mo | $41,652/yr |
| 2 people | $2,579/mo | $4,707/mo | $56,484/yr |
| 3 people | $3,256/mo | $5,942/mo | $71,304/yr |
| 4 people | $3,933/mo | $7,178/mo | $86,136/yr |
| 5 people | $4,609/mo | $8,413/mo | $100,956/yr |
| 6 people | $5,286/mo | $9,648/mo | $115,776/yr |
| 7 people | $5,963/mo | $10,884/mo | $130,608/yr |
| 8 people | $6,640/mo | $12,119/mo | $145,428/yr |
| Each additional person | +$677/mo | +$1,235/mo | +$14,825/yr |
Last updated: January 2026. Income limits based on 2026 HHS poverty guidelines for 48 contiguous states. MAGI-based income counting. Always verify with Montana's Medicaid agency.
Quick Montana CHIP Eligibility Check
How to Apply for Healthy Montana Kids in Montana
Option 1
Apply at Healthcare.gov
Healthcare.gov lets you apply for Medicaid and CHIP together in one application.
Option 2
Apply through Montana
Contact Montana's Medicaid agency directly or visit InsureKidsNow.gov for your state's application portal.
No open enrollment: You can apply for Healthy Montana Kids any time of year. Apply as soon as your child loses other coverage or your income changes.