Utah CHIP: Children's Health Insurance Program Guide

Utah's Children's Health Insurance Program (CHIP) provides affordable health coverage for children in families who earn too much for Medicaid but cannot afford private insurance. This in-depth guide explains CHIP eligibility, enrollment, coverage, and how it compares to Medicaid in Utah.

What Is CHIP? How Does It Differ from Medicaid?

The Utah CHIP program is a state and federally funded insurance plan for children under 19 who do not qualify for Medicaid and lack access to affordable health coverage. While both CHIP and Medicaid serve low- and moderate-income families, CHIP is designed for those whose income is above Medicaid limits but still not enough to afford private coverage.

  • CHIP Eligibility: For children up to age 19, U.S. citizens or legal residents, with household income up to approximately 200% of the federal poverty level (FPL). Specific income limits vary by household size. See income table.
  • Medicaid vs. CHIP: Medicaid covers children in the lowest income brackets. CHIP covers those just above Medicaid's cutoff. Both offer comprehensive coverage, but CHIP may have small premiums or copayments.
  • Coverage: CHIP covers doctor visits, hospital care, prescriptions, immunizations, dental, vision, mental health, and more.

Utah CHIP Eligibility & Income Guidelines

To qualify for Utah CHIP, children must:

  • Be under age 19
  • Be a U.S. citizen or eligible non-citizen
  • Live in Utah
  • Be uninsured (not covered by employer, private, or other government health plans)
  • Meet CHIP income limits (varies by family size; typically up to 200% FPL)
2025 Income Guidelines Example (for reference):
  • Family of 2: Up to $3,288/month
  • Family of 3: Up to $4,144/month
  • Family of 4: Up to $5,000/month
  • Family of 5: Up to $5,856/month
Income guidelines are updated annually. See Medicaid & CHIP eligibility by household.

Note: Income includes wages, child support, unemployment, and some other sources. Some deductions may apply. If unsure, use our Benefits Finder.

How to Apply for CHIP in Utah

  1. Gather documents: Social Security numbers, proof of income (pay stubs, tax returns), proof of Utah residency, and immigration documents (if applicable). See required documents list.
  2. Apply online at Utah MyCase portal, or by mail/fax using a printable application. In-person help is available at local DWS offices.
  3. Follow up: Respond to any requests for additional information from Utah Department of Workforce Services (DWS).
  4. Approval: If eligible, you’ll receive CHIP coverage details by mail. Coverage can begin retroactively to when you applied.

For application tips or assistance, call Utah MyCase or visit a local office.

What Does Utah CHIP Cover?

  • Pediatrician and specialist doctor visits
  • Hospital care (inpatient & outpatient)
  • Prescription medications
  • Dental and vision services (including exams, glasses, fillings, and cleanings)
  • Immunizations and preventive care
  • Mental health services
  • Emergency care
  • Labs, x-rays, and more

CHIP offers robust coverage for children’s health needs. Some services may require small copayments, but CHIP is designed to be affordable for families.

CHIP Renewal & Changes

Utah CHIP coverage must be renewed annually. Families will receive a renewal notice through MyCase or by mail. It’s important to report any household changes—such as income, address, or family size—promptly to DWS to avoid coverage gaps.

  • Renew online via MyCase
  • Check for required documents and respond quickly
  • Report changes anytime—not just at renewal

If your income drops, you may qualify for Medicaid instead. If it rises above CHIP limits, explore options at Healthcare.gov.

Utah CHIP FAQ

Utah CHIP is for children under 19 who do not qualify for Medicaid, are uninsured, and live in families meeting CHIP income guidelines. Citizenship or eligible immigration status is required.
CHIP is designed to be affordable. Some families pay a small monthly premium (based on income) and modest copayments for certain services. Dental and preventive care often have no copay. No family pays more than 5% of annual income for CHIP costs in a year.
CHIP offers a broad benefit package, but some specialized services may require prior authorization or may not be covered. For rare needs, discuss options with your CHIP plan or Utah DWS. If your child develops a disability, they may qualify for additional support through Medicaid or other programs.
Most CHIP applications are processed within 2-4 weeks, though it may be faster if all documents are submitted promptly. Coverage can begin retroactive to the application date in many cases.
Yes, lawfully present immigrant children are generally eligible for CHIP in Utah. Undocumented children are not currently eligible, but may be able to access care through community programs.
Report all income changes to DWS as soon as possible. If your income drops, your child might become eligible for Medicaid; if it rises above CHIP, you may need to explore private insurance or marketplace options. CHIP coverage usually continues through the coverage year unless major changes occur.

Related Utah CHIP & Health Coverage Resources

Healthy Children, Healthy Utah

Utah children receiving a checkup at the doctor's office, representing CHIP health coverage.

CHIP helps Utah families ensure their children grow up healthy, strong, and ready to succeed. Affordable coverage means more children can get preventive care, dental checkups, and treatment when they need it most.