apy: I do not know where you are taking your info from but this is the general way it works:
The first thing they screen for is Medicaid. Medicaid works both by family size and age – the categories are: pregnant women and up to age 1, ages 1-5, ages 6-18, 19 and up. The pregnant women and infants have the highest eligibility rates, 1-5 next, etc.
If someone does not qualify for medicaid:
Ages 19 and up are screened for FHP. FHP is under the same program as medicaid but has greater income allowances. It is ONLY for ppl over age 19.
Children through and including 18 qualify for CHP if they are not eligible for Medicaid. However, based on the families income, a premium might have to be paid, and as the OP said, if the income is high, they may only be eligible with full premium (which btw is NOT necessarily 150 – it can be 238 for empire too…. depends on which plan you choose).
Children can never be on FHP and adults can never be on CHP
Tina18: you have two options when applying for medicaid/chp… you can give them last year’s tax return or you can use what is called a “three month form” where you fill in any income and expenses you had in the last three months, and deduct expenses from income. This might help you be eligible, especially if your business is one which has ups and downs. For CHP, you are not required to notify them if your income goes up until the next time you need to recertify (a year later). With medicaid you are. It might be worth it for you to wait till a low period, and apply for chp then.