Affordable Care for Children with Child Health Plus
Every child deserves great health insurance. Discover how Child Health Plus (CHPlus) from MVP covers kids with $0 co-pays, full coverage, and peace of mind for your child’s health.
Why Child Health Plus
Child Health Plus (CHPlus) is a child health care plan. It’s perfect for families who need health coverage for their kids. It’s a full-coverage option offering quality health care for kids at low or no cost.
Maybe you have family insurance through work, but are looking for more affordable options. Maybe you don’t qualify for Medicaid, but still need an affordable option.
Or maybe you just want to know your child’s health is taken care of. With doctor visits, checkups, vaccines, dental, and eye care, CHPlus makes it possible.
Get to Know Child Health Plus
Benefits of getting child health care through CHPlus
CHPlus provides preventive and ongoing health care services for kids, including:
- Regular check-ups
- Immunizations
- Dental and vision care
- X-ray and lab tests
- Outpatient surgery
- Emergency care
- Prescription and non-prescription drugs
- Hearing services
CHPlus also provides specialty care, including access to behavioral health care providers, allergists, and speech/occupational therapists.
How CHPlus compares to other child health care options
If you’ve explored adding dependents to your existing health insurance and felt frustrated, you’re not alone. Child Health Plus can be a more affordable solution.
For many families, adding children to an employer-sponsored health insurance plan means extra costs. Premiums, co-pays, and deductibles may increase.
Medicaid is another option, but not all families qualify.
Child Health Plus is the middle ground. Eligible families can access high-quality child health care. It provides checkups, vaccines, dental, and vision care. All for little to no out-of-pocket costs. It’s one of the most affordable ways to keep children covered.
Child Health Plus Eligibility
Child Health Plus is for all kinds of families. In fact, many parents or guardians choose CHPlus, even if they have employer-sponsored health insurance. It’s often more affordable, and the benefits are excellent.
Income and family size requirements
The income limits for this plan are set by the Federal Poverty Level (FPL). That means the size of your family and how much you earn each year will determine if you are eligible.
CHPlus is for children and teens up to age 19. They must live in New York State.
Use the dropdown to see income limits and monthly costs based on your household size.
Additional CHPlus eligibility factors
To qualify for CHPlus, children must:
- Be under 19
- Live in New York State
- Meet citizenship or residency requirements
- Not be eligible for Medicaid
- Not have other health insurance
2026 Income Requirements & Cost
When choosing your household size, include all adults and all children. Pregnant mothers should also include all expected children. For example, if a pregnant mother is applying, and she is expecting twins, her household size would be three.
NY Child Health Plus Counties
MVP offers Child Health Plus in these counties:
- Albany County
- Clinton County
- Columbia County
- Dutchess County
- Essex County
- Franklin County
- Fulton County
- Genesee County
- Greene County
- Hamilton County
- Herkimer County
- Jefferson County
- Lewis County
- Livingston County
- Monroe County
- Montgomery County
- Oneida County
- Ontario County
- Orange County
- Putnam County
- Rensselaer County
- Rockland County
- Saratoga County
- Schenectady County
- St. Lawrence County
- Sullivan County
- Ulster County
- Warren County
- Washington County
- Westchester County
How to Apply for Child Health Plus
Enrollment is open year-round. You can apply for Child Health Plus at any time by following these steps:
Schedule a call
Complete the form below to schedule a call. An MVP representative will be in touch.
Frequently Asked Questions
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What is Child Health Plus?
CHPlus is an affordable health insurance plan for kids in New York State under 19 years old.
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How do I renew my CHPlus coverage?
MVP will contact you before your renewal date. You can also log into Gia or call us for help.
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How much does Child Health Plus cost?
The monthly premium price depends on household income and family size.
There is no monthly premium, no co-pays, and no deductibles for families who qualify. Families with higher incomes may pay a monthly premium of $15, $30, $46, or $60 per child per month, depending on their income or family size. This is often lower than premiums from employer-sponsored insurance plans.
For larger families, the monthly fee is capped at three children.
There are no co-payments for services under CHPlus, so you do not have to pay anything when your child receives care.
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What are the annual income limits for Child Health Plus?
The annual income limit for CHPlus is based on the Federal Poverty Level (FPL). The 2026 annual income levels are as follows:
- Free Child Health Plus: Up to 222% FPL
- $15 Premium: 223% to 250% FPL
- $30 Premium: 251% to 300% FPL
- $45 Premium: 301% to 350% FPL
- $60 Premium: 351% to 400% FPL
Use the NY State of Health 2026 Child Health Plus Income Levels Chart to find out if your family is eligible.
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When can I enroll in Child Health Plus?
You don’t need to wait to enroll in Child Health Plus. It has no enrollment period, so you can apply any day throughout the year. Enrollment for Child Health Plus is open all year.
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What is the difference between Child Health Plus and Children's Medicaid?
Whether a child qualifies for Children’s Medicaid or Child Health Plus depends on gross family income.
Children’s Medicaid is available to lower income families. It provides health care coverage for children under 19 who meet specific income requirements. There are zero premiums or co-pays.
CHPlus provides health care coverage to children up to age 19. This option is for families with higher incomes. Some families may qualify for free coverage.
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Does Child Health Plus cover dental?
Yes. Child Health Plus covers regular dental care for kids. CHPlus members dental care is covered with DentaQuest. This includes checkups, cleanings, x-rays, fillings, and other needed dental services. Some plans may also cover braces (orthodontics) if your child needs them for health reasons.
To learn more about applying for health insurance including Medicaid, Child Health Plus, Essential Plan, and Qualified Health Plans through NY State of Health, The Official Health Plan Marketplace, visit www.nystateofhealth.ny.gov or call 1-855-355-5777.
ATTENTION: Language assistance services and other aids, free of charge, are available to you. Call 1-855-355-5777 (TTY 711).
ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística y otras ayudas, gratis. Llame al 1-855-355-5777 (TTY 711).
请注意：您可以免费获得语言协助服务和其他辅助服务。请致电 1-855-355-5777 (TTY 711).
Health benefit plans are issued or administered by MVP Health Plan, Inc.; MVP Health Insurance Company; MVP Select Care, Inc.; and MVP Health Services Corp., operating subsidiaries of MVP Health Care, Inc. Not all plans available in all states and counties.
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