North Carolina CHIP Income Limits by Household Size 2026
How much can a family of 4 earn and still qualify?
Medicaid limit
$5,913/mo
215% FPL
NC Medicaid limit
$5,913/mo
215% FPL
North Carolina covers children through Medicaid at income levels up to 215% FPL — there is no separate CHIP program. The application and coverage are the same.
| Household size | Medicaid limit (215% FPL) | NC Medicaid limit (215% FPL) | Annual CHIP limit |
|---|---|---|---|
| 1 person | $2,860/mo | $2,860/mo | $34,320/yr |
| 2 people | $3,877/mo | $3,877/mo | $46,524/yr |
| 3 people | $4,895/mo | $4,895/mo | $58,740/yr |
| 4 people | $5,913/mo | $5,913/mo | $70,956/yr |
| 5 people | $6,930/mo | $6,930/mo | $83,160/yr |
| 6 people | $7,948/mo | $7,948/mo | $95,376/yr |
| 7 people | $8,966/mo | $8,966/mo | $107,592/yr |
| 8 people | $9,983/mo | $9,983/mo | $119,796/yr |
| Each additional person | +$1,018/mo | +$1,018/mo | +$12,212/yr |
Last updated: January 2026. Income limits based on 2026 HHS poverty guidelines for 48 contiguous states. MAGI-based income counting. Always verify with North Carolina's Medicaid agency.
Quick North Carolina CHIP Eligibility Check
How to Apply for NC Medicaid in North Carolina
Option 1
Apply at Healthcare.gov
Healthcare.gov lets you apply for Medicaid and CHIP together in one application.
Option 2
Apply through North Carolina
Contact North Carolina's Medicaid agency directly or visit InsureKidsNow.gov for your state's application portal.
No open enrollment: You can apply for NC Medicaid any time of year. Apply as soon as your child loses other coverage or your income changes.