As we face increasing demands on our paychecks, have you ever wondered, “How can I get health insurance for my child?” Look no further than MetroPlusHealth’s Child Health Plus (CHP) Plan.
Child Health Plus is a New York State public insurance program that was launched in 1991 to fill the gap between Children’s Medicaid – which has stricter eligibility requirements – and private insurance, which can be incredibly expensive when not accessed through an employer. Child Health Plus ensures that New York kids under 19 years old have access to low-cost or free health insurance because every child deserves quality healthcare.
While there are no copays or deductibles for covered services under Child Health Plus, there may be a monthly premium depending on family size and income.
For example, based on the 2026 federal poverty levels, a family of four making $73,260 annually will have a $0 premium, while a family of four making $99,000 will pay a $30 monthly premium per child for up to 3 children. Families of four making over $132,000 will be required to pay the full premium, which varies by health plan.
Eligibility for the Child Health Plus program is based on a few criteria. The child must:
All children in the state can get CHP regardless of immigration status, as long as they meet the other requirements.
Eligibility for this free health insurance option for kids is based on income and family size:
Child Health Plus covers a range of medical services, including:
Yes! Child Health Plus covers emergency, preventive, and routine dental and vision care for kids under 19. Kids’ dental care includes cleanings and X-rays every 6 months. However, orthodontic care, like braces, is usually not covered.
Child Plus Health also covers your child’s annual vision exams and a pair of glasses every year.
Child Health Plus is always open for enrollment. There is no need to wait around for any specific enrollment period or the beginning of the year.
You can enroll online at the NY State of Health website at any time, or call MetroPlusHealth Member Services at 855-809-4073 or stop by any of our offices.
Pick the coverage that’s right for you