CHIP in New York — children's health insurance for immigrant families

CHIP in New York

New York at a glance

New York is home to about 4,499,147 foreign-born residents (22.6% of the state’s 19,872,319 people) and 3,898,652 residents of Hispanic or Latino origin (19.6%), per the U.S. Census Bureau’s American Community Survey (2023 5-year estimates). The procedures below apply to everyone in New York regardless of immigration status unless noted.

CHIP covers health insurance for uninsured children from families earning too much for Medicaid but unable to afford private insurance.

CHIP eligibility limits in New York (verified data)

Source: Kaiser Family Foundation (KFF) — CHIP data by state

Verified on: 2026-05-25

Children’s health coverage in New York

CHIP upper income limit in New York: 405% of FPL

CHIP-funded prenatal coverage (conception to end of pregnancy): up to 223% of FPL

How to apply for CHIP in New York

1. Combined Medicaid+CHIP application via healthcare.gov
2. New York state application (some states have own portal)
3. By phone: 1-877-KIDS-NOW (1-877-543-7669)

New York adopted CHIPRA Option

New York adopted the CHIPRA option, eliminating the 5-year bar for permanent-resident children. This means a child with a new green card (under 5 years in US) can qualify for CHIP in New York without waiting.

How to apply for CHIP in New York

1. Visit Healthcare.gov or New York’s Medicaid/CHIP portal
2. Complete the application — ONE application covers both Medicaid AND CHIP automatically
3. New York determines if your child qualifies for one or the other

Typical coverage

CHIP covers: doctor visits, vaccines, hospitalization, dental, vision, prescriptions, mental health.

Income limits

Generally 200-300% federal poverty level. For family of 4: ~$60,000-$90,000/year.

Costs

CHIP has very low co-pays (sometimes $0) and low monthly premiums ($0-$50/month).

Related

• CHIP federal — general rules
• Medicaid in New York
• SNAP in New York

Last verified: 2026-05-24.

Apply for CHIP in New York

Where to apply

• Federal Marketplace: healthcare.gov — combined Medicaid+CHIP application
• New York state application — some states have separate portal
• By phone: 1-877-KIDS-NOW (1-877-543-7669)
• In person at FQHCs, schools, Head Start centers

Documents to apply

• Child’s identity: passport, birth certificate, green card
• Parent’s identity: any ID (passport, matrícula consular, license)
• Income: last 2 paystubs, ITIN return, employer letter
• New York residency: utility bill, lease
• If receiving other benefits: approval letters

Approval timeline

• Generally 30-45 days from application
• Urgent cases (child with medical emergency): some states grant “presumptive eligibility” immediately

Annual renewal

CHIP requires renewing coverage every 12 months. DON’T ignore renewal letters — you’ll lose coverage. States send notice 60-90 days before.

CHIP vs Medicaid vs Marketplace

• CHIP: children in families earning more than Medicaid limit
• Medicaid: children + adults below lower limit (varies by state)
• Marketplace plans with subsidies: families above both limits but below 400% FPL

Immigrant families with USC children generally find CHIP the best option.

Last verified: 2026-05-25.

General procedural information for educational purposes. Not legal, tax, or immigration advice. Laws and fees change — verify with the issuing agency before taking action. For case-specific guidance, consult a licensed immigration attorney or other appropriate professional.

Related procedural information

• Federal benefits eligibility by immigration status — who qualifies for what
• Find legal aid in your state — public-benefits appeals
• ITIN for tax-funded benefits — eligibility requires SSN or ITIN
• Consulate of your country — many offer financial-assistance referrals
• Know Your Rights — public-benefits enrollment — agency confidentiality limits