How to Renew Your CHIP Coverage in 2026

CHIP coverage is not automatic forever – most states renew it about once a year. Missing the renewal is the most common reason kids lose coverage, so a little preparation keeps your child protected. Here is how to renew CHIP in 2026.

Watch for your renewal notice

Your state sends a renewal or redetermination notice by mail, and often by email or through your online account, before your coverage ends. Open it right away and note the deadline. Keeping your address and phone number current with the state is the single best way to avoid missing it.

What you may need to provide

• Updated proof of household income (pay stubs or a benefit letter).
• Confirmation of who is in your household.
• Any document the notice specifically requests.

Many states can renew automatically using data they already have; if so, you only need to confirm the information is correct.

Respond even if nothing changed

Return the renewal by the deadline even when your situation is the same. A missing form – not a real change – is what usually causes a coverage gap.

How to avoid missing your renewal

Missed renewals are the top cause of coverage gaps. To stay covered:

• Keep your mailing address, email, and phone number current with the state.
• Create and check your online benefits account, where renewal notices often appear first.
• Open every letter from the state right away, even if it looks routine.
• Set a personal reminder near your renewal month so a busy week does not cost your child coverage.

If your child no longer qualifies for CHIP

• If your income dropped, your child may move to Medicaid instead.
• If your income rose, you can enroll in a low-cost Marketplace plan; losing CHIP opens a special enrollment window.
• If you disagree with a decision, you can appeal it.

Learn what the program covers in the CHIP guide, and keep the documents needed for CHIP handy for next time.

Official source

Learn about renewals and find your state program at insurekidsnow.gov or healthcare.gov. Renewing is free.

Frequently asked questions

How often do I renew CHIP?

Usually once a year. Your state sends a renewal notice with the exact date – respond by the deadline to keep coverage.

What if I miss the CHIP renewal deadline?

Contact your state right away. Many states have a short window to reinstate coverage if you complete the renewal quickly.

Will my child lose coverage if our income changed?

Not necessarily. A lower income may move your child to Medicaid; a higher income may mean a Marketplace plan. Report the change so coverage continues.

New to CHIP? Learn when CHIP coverage starts.

What to Do Next

Ready to act? Applying, appealing, and getting help are free through the official agency – you never pay a third party. Move quickly on any deadline, keep copies of what you submit, and reach out for free local help if you need it.

More Medicaid help: back to the Medicaid hub.