Insurance program that provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid but not enough to buy private insurance. In some states, CHIP covers pregnant women.Each state offers CHIP coverage and works closely with its state Medicaid program. You can apply any time. If you qualify, your coverage can begin immediately, any time of year.Related contentLearn more about CHIP and how to applyIf you apply for Medicaid coverage to your state agency, you’ll also find out if your children qualify for CHIP. See if you qualify for Medicaid or CHIP