New Jersey CHIP Income Limits by Household Size 2026
How much can a family of 4 earn and still qualify?
Medicaid limit
$4,125/mo
150% FPL
NJ FamilyCare limit
$9,763/mo
355% FPL
New Jersey covers children through Medicaid at income levels up to 355% FPL — there is no separate CHIP program. The application and coverage are the same.
| Household size | Medicaid limit (150% FPL) | NJ FamilyCare limit (355% FPL) | Annual CHIP limit |
|---|---|---|---|
| 1 person | $1,995/mo | $4,722/mo | $56,664/yr |
| 2 people | $2,705/mo | $6,402/mo | $76,824/yr |
| 3 people | $3,415/mo | $8,082/mo | $96,984/yr |
| 4 people | $4,125/mo | $9,763/mo | $117,156/yr |
| 5 people | $4,835/mo | $11,443/mo | $137,316/yr |
| 6 people | $5,545/mo | $13,123/mo | $157,476/yr |
| 7 people | $6,255/mo | $14,804/mo | $177,648/yr |
| 8 people | $6,965/mo | $16,484/mo | $197,808/yr |
| Each additional person | +$710/mo | +$1,680/mo | +$20,164/yr |
Last updated: January 2026. Income limits based on 2026 HHS poverty guidelines for 48 contiguous states. MAGI-based income counting. Always verify with New Jersey's Medicaid agency.
Quick New Jersey CHIP Eligibility Check
How to Apply for NJ FamilyCare in New Jersey
Option 1
Apply at Healthcare.gov
Healthcare.gov lets you apply for Medicaid and CHIP together in one application.
Option 2
Apply through New Jersey
Contact New Jersey's Medicaid agency directly or visit InsureKidsNow.gov for your state's application portal.
No open enrollment: You can apply for NJ FamilyCare any time of year. Apply as soon as your child loses other coverage or your income changes.