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This program provides free or low cost health insurance for children up to age 19. This insurance covers doctor visits, immunizations, hospitalizations and emergency room visits. The income limit changes yearly and currently a family’s gross income must be below 200 percent federal poverty level (FPL) for the children to get CHIP coverage. Generally, a family’s gross income must be below 133 percent FPL for children age one to five years to get Medicaid.