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- Children with family incomes between 185 percent and 225 percent of the FPL are charged 4 percent of their family income up to 185 percent plus 8 percent of their family income above 185 percent.

- Children with family incomes between 225 percent and 300 percent of the FPL are charged 4 percent of their family income up to 185 percent, plus 8 percent of their family income above 185 up to 225 percent, plus 14 percent of their income between 225 percent and 300 percent of the FPL.

Crowd-Out Strategy • Crowd out will be evaluated yearly to determine if additional protections are warranted.

• Children, who have had private coverage within the last 6 months, have a 6-month lock-out period for Medicaid Expansion coverage.

• The Separate CHIP conducts a 6-month look-back period of health care uninsurance.

 In addition to the 6-month look-back period from the time of application, a 30-day lock- out period is required for children in families with incomes above 225 percent of the FPL.

 Children and families with gross income below 225 percent of the FPL are exempt from the 30-day lock-out for coverage.

 Children with special needs are also exempt from the 6-month look-back period and the 30-day lock-out period as long as these children meet all other qualifications for eligibility.

 To be eligible for the Separate CHIP, the child must be uninsured. An uninsured child is defined as a child under age 19 who does not have health insurance that minimally provides coverage for physician’s services and hospitalization. Children covered by health insurance at the time eligibility is determined are ineligible unless the insurance is already paid for by Missouri’s Health Insurance Premium Payment Program (HIPP). If the health insurance is dropped, without good cause or the child does not have a special health care needs exception, the child is ineligible for 6 months from the date of the month coverage ended.

• Access to affordable insurance health insurance available through employment, a group membership or from a private company causes ineligibility. The affordability guidelines are:

Percentage of FPL Family of 3 with Gross Income 3 percent of 150% >150% and up to185% of the FPL 4 percent of 185% >185% and up to 225% of the FPL 5 percent of 225% >225% but less than 300% of the FPL