Children's Health Insurance Programs

Many states offer health care plans for children of parents, who don't have health insurance through work and cannot afford individual plans. Some states have expanded the plans to cover the parents as well.

The links below will provide information about state run children's health insurance programs.

Alabama > Allkids
Arizona > KidsCare Arizona
Arkansas > Kids First
California > Healthy Families
Colorado > Children's Health Plan Plus
Connecticut > Husky Health
Florida > Florida KidCare
Georgia > PeachCare
Idaho > The Access Card
Illinois > AllKids Illinois
Indiana > Hoosier Healthwise
Iowa > Hawk-I
Kansas > HealthWave
Kentucky > KCHIP
Michigan > MIChild
Missouri > MO Healthnet for Kids
Nevada > Nevada Check Up
New Hampshire > NH Healthy Kids
New Mexico > New Mexikids
North Carolina > NC Health Choice
Ohio > Healthy Start
Oregon > The Oregon Health Plan
Pennsylvania > Pennsylvania CHIP
Texas > Texas CHIP
Virginia > FAMIS

All Kids - Alabama

ALL Kids is a low-cost, comprehensive health insurance program for Alabama residents under age 19.

Health benefits of the ALL Kids program include well child check-ups and immunizations, sick child doctor visits, prescriptions, vision and dental care, hospitalization, mental health and substance abuse services, and much more.

The number of children in Alabama with health care coverage has grown significantly over the past year as a result of the ALL Kids program.

The health care benefits of the ALL Kids program are provided by Blue Cross Blue Shield of Alabama and the program uses the BCBS preferred provider network. Mental health and substance abuse services are provided by United Behavioral Health.

Learn more about Alabama Health Insurance.

Kids Care Arizona

KidsCare is Arizona's low cost health insurance program for children under age 19.

Arizona Children (under 19) who qualify can get medical coverage, dental coverage and vision coverage combined in one simple health plan.

KidsCare is inexpensive. How much a family pays is based on family income and the number of children who qualify. KidsCare will cost no more than $25 a month for one child or no more than $35 regardless of how many children you have.

The Arizona KidsCare program covers among other services:

  • Doctor's office visits
  • Specialist care
  • Hospital services
  • Prescriptions and medical supplies
  • Emergency medical care
  • Immunizations
  • Dental screening and treatment
  • Eye exams and corrective glasses

Find more information about Arizona health insurance information.

ARKids First - Arkansas

ARKids First health insurance provides two healthcare coverage options for more than 70,000 children in Arkansas without access to health insurance coverage through their parents or other means.

ARKids A offers low-income families a comprehensive package of health benefits.

ARKids B provides health coverage for families with higher incomes.

To enroll in the ARKids First program, you must choose a primary care doctor--a ConnectCare doctor.

Find out more about Arkansas health insurance.

Health Families - California

The California Healthy Families Program is a low cost health insurance program that provides health insurance coverage, (as well as dental and vision coverage) to children who do not have insurance today and do not qualify for Medi-Cal.

The Healthy Families Program offers comprehensive health care, dental and vision coverage through various insurance plans. The benefits in all Healthy Families’ plans are similar. However, they may be administered differently.

Parents, step-parents, foster parents, legal guardians, or other caretaker relatives may apply for a Healthy Families health insurance plan for a child living in their home. Only the parents’ income will be considered with regard to eligibility in the program.

If you are a legal guardian, stepparent, foster parent or caretaker relative who lives with a child, your income will not be used to qualify the child for California Healthy Families.

Children's Health Plan Plus - Colorado

Child Health Plan Plus (CHP+) is a low-cost health insurance program developed to benefit Colorado children under age 18 without access to health insurance coverage through private health insurance companies or via Medicaid.

Children's Health Plan Plus encourages preventive care by removing the financial barriers to health care.

CHP+ also offers benefits to Colorado residents who are pregnant! The CHP+ Prenatal Care Program offers free health insurance to uninsured Colorado pregnant women who live in households that meet certain income requirements.

(Uninsured women not yet pregnant, but planning to become pregnant, should learn about health insurance with maternity coverage.)

As of October 2007, CHP+ is providing health insurance coverage for more than 56,000 children and nearly 1,400 pregnant women in Colorado.

HUSKY Health - Connecticut

HUSKY stands for (Healthcare for Uninsured Kids and Youth).

HUSKY Health was signed into law in 1997 and is funded by the state and federal governments, and administered by the Department of Social Services.

HUSKY Plan is designed to help all Connecticut children (under age 18) who don’t have access to private health insurance. It includes services under Medicaid (now known as HUSKY Part A). It also provides brand-new health services for children in higher-income families (called HUSKY Part B).

HUSKY Health gives a lift to Connecticut’s working families who don’t have, and can't afford, health insurance coverage for children through their employer. With HUSKY, your children  are covered. Even families with higher incomes can get most HUSKY services at a group rate.  HUSKY Health means quality health care for every child in Connecticut.

Florida KidCare

Florida KidCare is Florida's health insurance program for uninsured children under age 19.

Eligibility for the Florida KidCare Program is based on your child’s age and family income.

The Florida Healthy Kids Corp was established in 1990 by the Florida Legislature to improve access to comprehensive health insurance coverage for Florida's uninsured children.

Today, more than 500,000 of Florida children are uninsured (without health insurance). As a result, they are typically treated for urgent conditions in inappropriate settings.

The Florida KidCare Program is designed to provide affordable health care for both middle class families and lower-income families not eligible for Medicaid, who would be unable to pay the full premium.

PeachCare for Kids - Georgia

Children who have health insurance coverage tend to have better health throughout their childhood years and into adulthood. These children are more likely to 1) receive needed immunizations that prevent disease 2) receive treatment for recurring illnesses 3) receive preventative care and 4) in general get sick much less often.

PeachCare for Kids began covering Georgia children in 1999, providing comprehensive health care to children through the age of 18 who do not qualify for Medicaid and live in households with incomes at or below 235% of the federal poverty level (ex. about $40,000 / yr for family of 3 and about $48,000 for a family of 4).

PeachCare for Kids Benefits:

  • Care from a doctor when your child is sick
  • Preventive services
  • Dental care
  • Vision care
  • Emergency room services
  • Prescription medications
  • Mental health care

The Access Card - Idaho

The State of Idaho offers two health insurance assistance programs for children in Idaho (Access to Health Insurance and The Access Card).

The Access Card helps Idaho families purchase health insurance plans for qualifying children. The Access Card isa premium assistance program administered in partnership with Idaho health insurance carriers.

Access to Health Insurance (AHI) helps employees of small businesses and their families enroll in employer-sponsored insurance.

All Kids - Illinois

All Kids is a children's health insurance program designed to benefit Illinois children who need comprehensive and affordable health insurance (regardless of family income, health status or immigration status).

Currently there are over 1.3 million Illinois children covered by the All Kids health insurance program. If, like many hardworking families, you cannot afford private health insurance, the All Kids program may be the answer you are looking for.

Illinois is the first state to provide affordable, comprehensive health insurance for every child who resides within its borders. Of the 250,000 children in Illinois without health insurance, more than half come from working and middle class families who earn too much to qualify for state programs like KidCare, but not enough to afford private health insurance. Through All Kids, comprehensive health insurance is available to every uninsured child at affordable rates.

All children who reside in Illinois, and are under age 18 are eligible for the program. Discover more about Illinois health insurance.

Hoosier Healthwise - Indiana

The Hoosier Healthwise Program is a healthcare program for children, pregnant women and low-income families that reside in the great state of Indiana.

Hoosier Healthwise covers doctor visits, prescription drugs, mental health care, dental care, hospitalizations, surgeries, and family planning at little or no cost.

The Following health plans are available to Hoosier Healthwise members:  Anthem Blue Cross Blue Shield, Managed Health Services (MHS), and MDWise

There are three distinct plans available:  1) Plan A (a full-service plan for pregnant women, children and families 2) Plan B (a limited service plan for pregnant women) and 3) Plan C (a full service plan for children only)

The Healthy Indiana Plan is another state sponsored health insurance plan, which is available to adults over age 18.

Other Information about Indiana Health Insurance

Hawk-I - Iowa

The Hawk-I is a program that provides health care coverage for uninsured children in the state of Iowa.

Hawk-I provides limited health insurance benefits for no more than $20 per month, and some qualifying families pay nothing at all.

To qualify children must:  1) reside in Iowa, 2) be under age 19 3) have no other health insurance  4) be a US citizen or qualified alien 5) meet the income limits established by Hawk-I program 6) ineligible for Medicaid 7) not be a dependent of an employee of the state of Iowa.

Qualified participants can choose from health plans offered by Wellmark Health Plan of Iowa's Blue Access Plan or Americhoice Hawk-I from United Health Care of the River Valley.

Other Information about Iowa Health Insurance

HealthWave - Kansas

Kansas HealthWave was created to provide health insurance coverage for uninsured children in the state of Kansas who are less than age 19.  in 1998 there were more than 60,000 uninsured children in the state. by the end of 2005 more than 37,000 of these children were eligible for coverage in the HealthWave program.

To be eligible for HealthWave, children must reside within Kansas, live in a household with an income level within 200% of federal poverty level.

Based on household income levels, some children will qualify to HealthWave without paying any monthly premiums, while others may pay either $20 or $30 per month.

There are many affordable health insurance options for those who don't qualify for HealthWave due to income level.  To compare free health insurance quotes from top Kansas health insurers simply enter your zip code at upper right to begin.

KCHIP - Kentucky

KCHIP is short for Kentucky Children's Health Insurance Program.   It is a free or low-cost health insurance program for Kentucky's youth whose families do not make more than 200% of federal poverty level.

KCHIP covers:

  • Doctors visits
  • Dental Care
  • Both Inpatient & outpatient hospital services
  • Vision exams
  • Lab Test & x-rays
  • prescription drugs
  • and much more.....

There are nearly 70,000 Kentucky children that are eligible for Kentucky state sponsored health plans that are not enrolled and who go without health insurance coverage

Other Information about Kentucky Health Insurance.

MIChild - Michigan

MIChild is a low cost health insurance program, designed for Michigan residents that meet eligibility requirements that are based on household income limits.

MIChild is for uninsured children of Michigan's working families. Their health care services are provided by many top Michigan HMO and other top health plans located in Michigan.

MIChild covers: Check-ups, shots, emergency care, dental care, prescriptions, hospital care, vision & hearing, pre-natal care, mental health and substance abuse and more.

To qualify, child must: Be a Michigan resident, be under age 19, be currently uninsured, meet income requirements, and be a US citizen.

MO Healthnet for Kids - Missouri

MO Healthnet for Kids is Missouri's state-sponsored health program for uninsured children in Missouri.

The MO HealthNet for Kids program provides children with comprehensive health insurance coverage including primary, acute and preventative care, hospital care, dental and vision care as well as prescription drug coverage. 

To be eligible for MO Healthnet for Kids children must meet the following criteria:  1) under age 19, 2) lives in Missouri, 3) has or has applied for a SSN 4) a US citizen or qualified non-citizen 5) parents must comply with Child Support Enforcement and 6) meet specific family income guidelines

The Health Plan providers that may be used under MO Healthnet for kids depends on the region but include the following health plans:  Blue Advantage Plus, Children's Mercy Family Health Partners, Health Care USA, Mercy CarePlus, Missouri Care and Harmony Health Plan of Misouri.

Nevada Check Up

The Nevada Check Up program (Children’s Health Insurance Program) is a low-cost, comprehensive health care program that provides health coverage to low-income, uninsured children (under age 19) who are not covered by private insurance or Medicaid.

The Nevada Check Up Program includes various levels of coverage for:  physician visits, chiropractic care, dental coverage, vision coverage, medical equipment, Inpatient and Outpatient hospital visits, prescription drugs, well-child, well-baby Visits, immunizations and more

The following criteria must be met in order to qualify for the Nevada Check Up Program:   1) The child is not eligible for Medicaid, 2) The child is a U.S. citizen (or qualified alien) 3) The child has not had health insurance for the last six months, or has recently lost health insurance for reasons beyond the parents' control, 4) The child is under age 19 at the date the coverage will begin; and  5) The family’s gross annual income is between 100% and 200% of the Federal Poverty Level guidelines.

New Hampshire Healthy Kids - NHHK

New Hampshire Healthy Kids (NHHK) is a non-profit organization providing New Hampshire residents access to free or reduced fee health insurance coverage to uninsured children of New Hampshire families who made specific income requirements.

NH Healthy Kids offers two programs:  Healthy Kids Gold provides health and dental services at no-cost, while Healthy Kids Silver provides children and teens with health and dental benefits at a reduced cost.

NH Healthy Kids provides:  Physician benefits, prescription drug benefits, emergency room benefits, both inpatient and outpatient services, lab work, x-rays, and many other benefits.

To be eligible for NH Healthy Kids, the child must be: 1) Under the age of 19,  2) A New Hampshire resident 3) A US citizen

New MexiKids - New Mexico

The New Mexikids health insurance program is a no-cost or low-cost health coverage option for New Mexico children under 19 years old.

If your household income is less than 185% of the Federal Poverty Guidelines, health care services via New Mexikids can be provided to your child at no cost. If your household income is between 185% - 235% of the Federal Poverty Guidelines, some health care services your child receives may require that you make a co-payment at the time when health services are provided. Preventive services, such as Tot to Teen Health Checks and immunizations do not require a co-payment.

The New Mexikids health insurance program is part of a national campaign to help provide health insurance coverage to children across the country.

NC Health Choice - North Carolina

North Carolina Health Choice for Children (NCHC) is a free or reduced price health insurance program for children living in North Carolina whose families make too much money to qualify for Medicaid but still can't afford health insurance with the escalation in costs that we see today.

NCHC covers: physician and clinic services, laboratory services, dental, vision, prescription drug benefits and many more other covered benefits.

To be eligible for NC Health Choice, your household income must be less than 200% of federal income limits.

Healthy Start & Healthy Families Ohio

The state of Ohio offers two programs for children and pregnant women with limited income to receive health insurance coverage:  Healthy Start, and Healthy Families.

Children and pregnant women can get health coverage through one of these two programs, so long as they are residents of the state of Ohio, and they fall within income guidelines established by the state of Ohio.

The Healthy Start program is available to children with family incomes within 200% of federal poverty level, while pregnant women can receive coverage if their household income is within 150% of this level.

The Healthy Families program is slightly more stringent, as household income can be up to 90% of federal poverty level

The Oregon Health Plan

The Oregon Health Plan (OHP) is a state funded health insurance program designed to help low-income Oregon residents obtain health insurance coverage.   Currently, the program covers nearly 400,000 Oregon residents.

Other state funded health insurance programs for Oregon residents include:

  • HealthyOregon & The Oregon Prescription Drug Program (OPDP) - A prescription drug assistance program
  • Family Health Insurance Assistance Program (FHIAP)
  • State Children Health Insurance Program (SCHIP)

Pennsylvania CHIP

Pennsylvania CHIP is PA's health insurance program for children (including teens) who live in Pennsylvania and are uninsured and are not enrolled in or eligible for other forms of medical coverage assistance.  There is no income limit for CHIP, CHIP has been expanded to cover all uninsured kids up to age 19.

CHIP is free for some families, but may include some small monthly fees and co-pays for other families above certain income thresholds. 

The plan is administered by several private health insurance companies that each cover various counties across the state of Pennsylvania.

Some of the health insurance companies that provide health insurance coverage (depending on your county of residence) include:

  • Aetna
  • Americhoice
  • Capital Blue Cross
  • Highmark BlueShield
  • Highmark BC/BS
  • Keystone Health Plan East
  • First Priority Health
  • Unison Kids
  • UPMC for Kids.

Texas CHIP

Texas residents with uninsured children may be eligible to receive low-cost or no-cost health insurance coverage through Children's Medicaid and CHIP (Children's Health Insurance Program). Both of these health programs provide a wide range of health benefits, including regular check-ups and dental care to keep your children healthy.

CHIP Perinatal

In addition to Children's Medicaid and CHIP, residents who are pregnant, uninsured and otherwise not eligible for Medicaid may qualify for CHIP perinatal benefits. Coverage starts before the child is born and continues after the child's birth. Total perinatal coverage is 12 continuous months from the date the unborn child is enrolled.

In addition to the state sponsored health plans above, Texas has many top health plans that offer coverage to individuals and their families at affordable rates.  To compare health insurance rates from leading health insurance companies serving Texas residents, simply enter your zip code (upper right) to begin.

FAMIS, FAMIS MOMS, Smiles for Children - Virginia

FAMIS - a children's health insurance program

FAMIS MOMS - for pregnant women

Smiles for Children - a children's dental program

FAMIS stands for Family Access to Medical Insurance Security. Health insurance is important to make sure that kids are able to get all the help they need to grow up healthy.

Health care services covered by FAMIS include:

  • Doctor visits
  • Well-baby checkups
  • Hospital visits
  • Vaccinations
  • Prescription medicine
  • Tests and X-rays
  • Dental care
  • Emergency care
  • Vision care
  • Mental health care

To be eligible for FAMIS you must: 1) Live in Virginia 2) Be under age 19 3) Have been uninsured for the past 4 months 4) Not be eligible for the Virginia state employee health plan 5) Not be eligible for Medicaid 6) Meet FAMIS income guidelines.

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Facts: Children's Health Insurance

(from US Census Bureau)

9.8 million children under the age of 18 had no health insurance at any time in 1995; this is 13.8 percent of all children. Statistically, these estimates are similar to the 1994 estimates of 10.0 million and 14.2 percent, respectively.

Hispanic children were far less likely to have health insurance than White or Black children, and Black children were less likely to have health insurance than White children: 26.8 percent of Hispanic children were without health insurance in 1995, 15.3 percent of Black children, and 13.4 percent of White children.

In 1995, 66.1 percent of all children were covered by an individual health insurance or employment-based health plan.

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