New York CHIP Income Limits by Household Size 2026
How much can a family of 4 earn and still qualify?
Medicaid limit
$4,235/mo
154% FPL
Child Health Plus limit
$11,000/mo
400% FPL
New York covers children through Medicaid at income levels up to 400% FPL — there is no separate CHIP program. The application and coverage are the same.
| Household size | Medicaid limit (154% FPL) | Child Health Plus limit (400% FPL) | Annual CHIP limit |
|---|---|---|---|
| 1 person | $2,048/mo | $5,320/mo | $63,840/yr |
| 2 people | $2,777/mo | $7,213/mo | $86,556/yr |
| 3 people | $3,506/mo | $9,107/mo | $109,284/yr |
| 4 people | $4,235/mo | $11,000/mo | $132,000/yr |
| 5 people | $4,964/mo | $12,893/mo | $154,716/yr |
| 6 people | $5,693/mo | $14,787/mo | $177,444/yr |
| 7 people | $6,422/mo | $16,680/mo | $200,160/yr |
| 8 people | $7,151/mo | $18,573/mo | $222,876/yr |
| Each additional person | +$729/mo | +$1,893/mo | +$22,720/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 York's Medicaid agency.
Quick New York CHIP Eligibility Check
How to Apply for Child Health Plus in New York
Option 1
Apply at Healthcare.gov
Healthcare.gov lets you apply for Medicaid and CHIP together in one application.
Option 2
Apply through New York
Contact New York's Medicaid agency directly or visit InsureKidsNow.gov for your state's application portal.
No open enrollment: You can apply for Child Health Plus any time of year. Apply as soon as your child loses other coverage or your income changes.