Clear, practical information for your coverage decisions

Marketplace Plans vs. Medicaid and CHIP

The programs have different eligibility rules and coverage pathways.

Medicaid and CHIP are public programs run jointly by federal and state governments. Eligibility can depend on state rules, household composition, income, and other factors. Marketplace coverage is individual or family health insurance selected through a federal or state-based Marketplace.

Why you should check the official pathway

Application information and timing can affect which program is appropriate. Some people may qualify for Medicaid or CHIP; others may see Marketplace options or different forms of financial assistance. A general income number cannot decide eligibility for every state and household.

Use HealthCare.gov's Medicaid and CHIP information and your state's official program. Do not cancel current coverage or assume a start date until the program or insurer confirms the details.

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