A brightly decorated Christmas tree blinks in one corner of the children’s playroom, and in front of it, Samuel and Gabriella Diaz are sitting on the floor, surrounded by a colorful array of toys. Two-year-old Gabriella, dressed in pink flannel penguin pajamas, squeals happily as she pulls a wooden duck on wheels behind her. Her older brother Samuel, who is five, carefully guides a plastic Spiderman through the air.
You would never know from watching them play, but both Gabriella and Samuel have asthma. Samuel’s case, in particular, is severe. He has had flare ups that have landed him in the emergency room, and if he gets a cold, or if the outside temperature drops too low, his symptoms get worse. He missed five weeks of school last winter, and he has to use a nebulizer every morning to stay healthy.
Gabriella and Samuel’s mom, Erin, works for a nonprofit organization that helps high school students who will be the first in their families to go to college. Their dad, Darwin, is a carpenter.
Neither of their workplaces offer health insurance. Their family income is higher than would qualify them for Medicaid – the joint federal and state health coverage program for low-income residents – but it’s not enough for them to be able to afford other insurance.
That’s where CHIP, the Children’s Health Insurance Plan, comes in.