KCHIP provides low-cost or no-cost health coverage to children and teens under 19 in families that earn too much for Medicaid but can’t afford private insurance.
Children and teens under age 19 who live in Kentucky. Eligibility is based on household income — generally, families with income between the Medicaid limit and about 218% of the federal poverty level (FPL). Children with lower household incomes may qualify for Medicaid instead — kynect checks both programs automatically when you apply. Pregnant women and women within 12 months after giving birth may also qualify under KCHIP if household income is at or below 218% FPL.
KCHIP coverage is comprehensive and includes doctor visits, hospital care, prescriptions, dental, vision, mental health, and preventive care.
Most families pay little or nothing. Some families with higher incomes pay a small monthly premium. There are no deductibles, and copays are low.
Apply the same way as Medicaid — online at kynect.ky.gov, by phone at 855-306-8959, or in person at your local DCBS office. Full application guide
Both are Kentucky’s public health programs. Medicaid covers more income levels and more people (adults, seniors, pregnant people). KCHIP is specifically for children in families with moderate incomes.
A kynector can help you apply for KCHIP at no cost. Find a kynector
Tip: Even if you think your income is too high, apply anyway — the income check is done automatically by kynect, and you may qualify for KCHIP or a subsidized Marketplace plan.
Last updated: Mar 26, 2026