Texas CHIP (Children's Health Insurance Program)
Last updated: June 13, 2026
The Children's Health Insurance Program (CHIP) in Texas provides low-cost health coverage for children in families that earn too much to qualify for Medicaid but still need affordable coverage. It is administered by Texas Health and Human Services. This guide explains who may qualify and how to apply.
Who is eligible?
CHIP is for children (and in some cases, pregnant women) in families with incomes above the Medicaid limit but within CHIP's guidelines. Eligibility is based on household income, household size, and the child's age and residency. Because income limits are set by the state and updated periodically, confirm whether your child qualifies using the official Texas Health and Human Services source.
What does it cover?
CHIP covers a broad range of children's health services, including regular checkups, immunizations, doctor visits, prescriptions, dental and vision care, hospital care, lab tests, and X-rays. Families may have small co-pays or an annual enrollment fee depending on their income, but costs are kept low.
How to apply and official source
You can apply for CHIP in Texas online through YourTexasBenefits, by phone, or in person. This information is based on Texas Health and Human Services: hhs.texas.gov — Medicaid and CHIP. Verify current eligibility and how to apply at the official source.
Frequently asked questions
What is the difference between CHIP and Medicaid?
Medicaid covers eligible low-income individuals and families, while CHIP covers children in families that earn too much for Medicaid but still need affordable coverage.
Does Texas CHIP cost anything?
CHIP is low-cost. Families may pay a small annual enrollment fee and modest co-pays depending on income, but coverage is designed to be affordable.
What does CHIP cover for my child?
CHIP covers checkups, immunizations, doctor visits, prescriptions, dental and vision care, hospital care, and lab tests, among other services.
How do I apply for CHIP in Texas?
You can apply online through YourTexasBenefits, by phone, or in person. See hhs.texas.gov for current application options and eligibility details.
Check your eligibility in minutes
Benefit Guardian helps you find federal and state programs you may qualify for. Create your free profile and see your matches.
Get started free →