Health care coverage for Texas children (2024)

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Health care coverage helps you keep your children healthy by paying for doctor visits and regular checkups. It also pays for their medical care if they get sick or injured. There are several ways to get health coverage for your children:

  • Through your insurance at work, if your employer offers a health plan.
  • From an insurance company or a health maintenance organization (HMO).
  • Through Children's Medicaid or the Children’s Health Insurance Program (CHIP), if you qualify.

Learn more: Need health insurance? How to find a new health plan now.

Get a plan through your job

If you have health insurance at work, you can usually add your children to your plan as dependents. You can keep your children on your health plan until they turn 26. They may stay on your plan even if they’re married. But you can’t add their spouses.

You can add your grandchildren to your plan if you claim them as dependents on your tax return. They can stay on your plan until they turn 25.

Buy your own plan

If you don't have a health plan through your job or you want more coverage, you can buy coverage from an insurance company. There are a lot of types of plans. You can buy a plan that covers only your child or your entire family. A company can't refuse to sell you a plan because of health factors, including a preexisting condition or disability.

We have a list of insurance companies that sell health plans in Texas.

To shop for insurance through the federal marketplace, visit HealthCare.gov or call 800-318-2596. If you buy a health plan through the marketplace, you might be able to get a subsidy to help pay for it.

With so many options, buying a health plan can be confusing. Companies have representatives to help answer your questions about their plans.

Learn more: Health insurance: 5 things you may not know

Get a plan from Children's Medicaid or CHIP

Children in Texas might be able to get low cost or free health coverage from Children’s Medicaid or from the Children’s Health Insurance Program (CHIP). Both programs cover doctor visits, prescription drugs, dental care, eye exams, glasses, and more.

You don’t have to pay anything to get Children’s Medicaid. Families with CHIP coverage pay less than $50 a year. You’ll have to pay copays for some health services. A copay is an amount you pay each time you get a service, like going to the doctor or filling a prescription.

For more information or to apply for Children's Medicaid or CHIP, visit the Texas Health and Human Services website or call 877-KIDS-NOW (543-7669). You can use the same application for both programs.

See ourHealth care coverage guide to learn more about health insurance and the plans available.

Health care coverage for Texas children (2024)

FAQs

Health care coverage for Texas children? ›

Children in Texas might be able to get low-cost or free health coverage through Children's Medicaid or the Children's Health Insurance Program. Children's Medicaid is a health care program for children in low-income families.

Who qualifies for Texas children's health Plan? ›

To qualify, a child must be:
  • Age 18 or younger (Children up to age 20 may be able to get Medicaid in some cases).
  • A pregnant woman of any age can apply for CHIP perinatal services or Medicaid for her unborn child.
  • A Texas resident.
  • A U.S. citizen or legal permanent resident.

How much is the Texas children's health plan? ›

CHIP: Sign-up fees range from $0 - $50 a year for all the children in the family. Co-pays are based on the service and range from $3 - $25. Co-pays vary based on the family's income.

What is the maximum income to qualify for Medicaid in Texas for kids? ›

Who is eligible for Texas Medicaid?
Household Size*Maximum Income Level (Per Year)
1$29,819
2$40,472
3$51,124
4$61,776
4 more rows

Does Texas children's health Plan cover adults? ›

Texas Children's Health Plan offers no-cost health coverage for children and young adults under the age of 21 with disabilities who cannot afford health insurance.

Do kids get free healthcare in Texas? ›

Children in Texas might be able to get low cost or free health coverage from Children's Medicaid or from the Children's Health Insurance Program (CHIP). Both programs cover doctor visits, prescription drugs, dental care, eye exams, glasses, and more.

Who qualifies for the Affordable Care Act in Texas? ›

Who can get Obamacare in Texas? Eligibility for Obamacare in Texas is fairly far-reaching. You need to live in the United States (the ACA is basically nation-wide) and be a U.S. citizen, national, or legal resident. You can't be in prison and get Obamacare; you'll have to wait until you're released.

Is Texas children's health Plan PPO or HMO? ›

Texas Children's Health Plan was founded in 1996 by Texas Children's Hospital. We are the nation's first health maintenance organization (HMO) created just for children. We cover kids, teens, pregnant women, and adults.

What is the income limit for Texas Medicaid 2024? ›

Income & Asset Limits for Eligibility
2024 Texas Medicaid Long-Term Care Eligibility for Seniors
Type of MedicaidSingleMarried (both spouses applying)
Institutional / Nursing Home Medicaid$2,829 / month*$5,658 / month*
Medicaid Waivers / Home and Community Based Services$2,829 / month†$5,658 / month†
2 more rows
Nov 27, 2023

What is the average monthly cost of health insurance in Texas? ›

How much does health insurance cost in Texas? Health insurance in Texas costs an average of $584 per month for a Silver plan and $519 per month for a Gold plan in 2024.

What are the two types of Medicaid in Texas? ›

In Texas, there are 5 different types of Medicaid:
  • Traditional Medicaid.
  • STAR.
  • STAR Kids.
  • STAR Health.
  • STAR+PLUS.

How long can a child stay on Medicaid in Texas? ›

To get Medicaid or CHIP, a child must be age 18 and younger (in some cases children with disabilities age 19 and 20 can get Medicaid).

How to check eligibility for Texas Medicaid? ›

1) Go to the tmhp.com. 2) Select Eligibility Quick Check from the Resources drop-down menu. 3) You must complete two of the following fields: Patient Control Number (PCN), also known as the Medicaid number, Date of Birth (DOB), Social Security Number (SSN), or Last Name.

Is Texas children's health Plan the same as Medicaid? ›

Texas Children's Health Plan is responsible for providing a benefit package to STAR Kids Members that includes all medically necessary services covered under the traditional, fee-for-service Medicaid programs, except for Non-capitated Services provided to Medicaid Members outside of the health plan's capitation.

How long can a child stay on parents health insurance in Texas? ›

You can stay on a parent's plan until you turn 26

Once you're on a parent's job-based plan, in most cases you can stay on it until you turn 26. Generally, you can join a parent's plan and stay on until you turn 26 even if you: Get married.

Is Texas Star kids Medicaid? ›

STAR Kids is a Texas Medicaid managed care program that provides Medicaid benefits to children and adults 20 and younger who have disabilities.

How much to qualify for a CHIP in Texas? ›

Income Guidelines for CHIP
Family Members (Adults plus children)Monthly Family Income
Family Members (Adults plus children) 2Monthly Family Income $3,424
Family Members (Adults plus children) 3Monthly Family Income $4,325
Family Members (Adults plus children) 4Monthly Family Income $5,226
5 more rows

Does non custodial parent have to pay for health insurance Texas? ›

The parent ordered to pay child support (the “obligor”) usually also provides medical and dental support. Each parent usually has to pay 50% of uninsured or out-of-pocket medical expenses. The obligor only has to pay for the “reasonable cost” of insurance coverage.

What is the lowest income to qualify for Medicaid? ›

The income limits based on household size are:
  • One person: $17,609.
  • Two people: $23,792.
  • Three people: $​​29,974.
  • Four people: $​​36,156.
  • Five people: $​​42,339.

Who qualifies for provider services in Texas? ›

To be eligible for the PHC program, Texas residents must be 21+ years old and require assistance to perform at least one of the activities of daily living, such as bathing, grooming, eating, or toileting. Their functional limitation must result from a medical condition and must be documented by a medical professional.

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