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HEALTH — IA

👶 CHIP Health Insurance in Spencer, Clay, Iowa — 2026

Eligibility, income limits, local offices and how to apply for Spencer residents

Low-cost child coverageMax Benefit
1-877-543-7669Helpline
IAState
200% FPLFPL Threshold
📊 2026 Income Limits — Spencer, Iowa
Household SizeMonthly LimitAnnual Limit
1 person$1,632/mo$19,578/yr
2 people$2,215/mo$26,572/yr
3 people$2,798/mo$33,566/yr
4 people ← typical$3,482/mo$41,782/yr
5 people$4,065/mo$48,778/yr
6 people$4,648/mo$55,774/yr
7 people$5,231/mo$62,770/yr
8 people$5,814/mo$69,766/yr

Source: HHS Federal Poverty Guidelines 2026. Effective January 2026.

📝 How to Apply — Spencer, Iowa
1
Check Eligibility
Income at or below 200% FPL. Family of 4 in Spencer: $3,482/month in 2026.
2
Apply Online — Fastest
Visit www.insurekidsnow.gov/coverage/index.html — available 24/7.
3
Apply by Phone — 1-877-543-7669
Call Mon–Fri business hours for Spencer residents.
4
Apply In-Person — Clay Office
Visit offices near Spencer. Walk-ins accepted.
📋 Documents Required — Spencer
  • Child birth certificate
  • Proof of income
  • Proof of residency
  • Social Security numbers
❓ FAQs — CHIP Health Insurance in Spencer
Who qualifies for CHIP Health Insurance in Spencer, Iowa?
Residents of Spencer, Clay, Iowa with income at or below 200% FPL. Family of 4: $3,482/month. Call 1-877-543-7669.
How to apply for CHIP Health Insurance in Spencer?
Apply online at www.insurekidsnow.gov/coverage/index.html, call 1-877-543-7669, or visit Clay office.
Is there a CHIP Health Insurance office in Spencer?
The nearest office is in Clay. Visit office locator for exact address and hours.
🔗 Other Benefits in Spencer, Iowa
🍎 SNAP Benefits🏥 Medicaid🏠 Section 8 Housing🍼 WIC Program⚡ LIHEAP Energy Help💵 TANF Cash Assistance🧓 SSI Benefits♿ SSDI Benefits
🚀 Apply for CHIP Health Insurance
Apply Online — Official ↗ 📞 Call 1-877-543-7669 ← Back to Clay
🔔 Iowa Alerts 2026
Free alerts when CHIP Health Insurance changes in Iowa.
📌 All Benefits in Spencer
🍎 SNAP Benefits🏥 Medicaid🏠 Section 8 Housing🍼 WIC Program⚡ LIHEAP Energy Help💵 TANF Cash Assistance🧓 SSI Benefits♿ SSDI Benefits👶 CHIP Health Insurance🏦 Local Food Banks