CHIPRA is the Children’s Health Insurance Program Reauthorization Act (2009), and allows states to subsidize premiums for health insurance coverage provided by employers (both fully insured and self-insured) for eligible children. CHIPRA is a state and federal partnership, associated with Medicaid, that provides affordable health coverage for the children in families that earn too much income to qualify for Medicaid, yet cannot afford to purchase private health insurance.
Considered a special enrollment right, employees can enroll in an employer’s coverage if the employee becomes eligible for premium assistance or if eligibility for coverage is lost under Medicaid or the Children’s Health Insurance Program (CHIP). The employee must enroll within 60 days of the last day of coverage, or the employee becomes eligible for premium assistance.
