When you fill out a Marketplace application, you may learn that you qualify for coverage through Medicaid or the Children’s Health Insurance Program (CHIP).
Medicaid and CHIP provide free or low-cost health coverage to millions of Americans, including some low-income people, families and children, pregnant women, the elderly, and people with disabilities. Both programs are run jointly by federal and state governments, and details vary somewhat between states.
You qualify for these programs based on your household size, income, and other factors, like age and disability. When you fill out your application you’ll find out if you and your family qualify.
You can apply for and enroll in Medicaid or CHIP any time of year. There’s no limited enrollment period for either Medicaid or CHIP. If you qualify, your coverage can begin immediately.
Learn how to apply for Medicaid coverage.
Learn how to apply for CHIP coverage.
If you have Medicaid or CHIP coverage, you’re considered covered under the health care law. You don’t have to buy a Marketplace insurance plan. You also don’t have to pay the fee that people without health coverage must pay.
If you’re enrolled in a Marketplace plan and taking advance payments of the premium tax credit (APTC) and are found eligible for Medicaid or the Children’s Health Insurance Program (CHIP), you should end your Marketplace plan as soon as you know for sure you’re eligible for Medicaid/CHIP coverage.
If you don’t, you (or the person who claims you on their taxes) may need to pay back the advance payments of the tax credit you received for the months you had Medicaid or CHIP coverage. Learn how to cancel a Marketplace plan.