What is the SHOP Marketplace?
The Small Business Health Options Program (SHOP) Marketplace helps businesses provide health coverage to their employees.
How do I enroll in coverage through the SHOP Marketplace?
You enroll in SHOP coverage directly through an agent, broker, or insurance company.
What if I'm self-employed?
If you're self-employed with no employees, you're not considered an employer. You can use the Marketplace to find coverage that fits your needs.
Do I have to offer health coverage to my employees?
No employer has to offer health coverage. Some larger businesses that don’t offer coverage may have to make an Employer Shared Responsibility payment
Will I qualify for small business health care tax credits?
You may qualify for employer health care tax credits if you have fewer than 25 full-time equivalent employees making an average of about $50,000 a year or less.
What do small businesses need to know?
Businesses with 50 or fewer employees may get employee health coverage in the SHOP Marketplace. Employers of this size aren't required to offer health coverage.
What is the Employer Shared Responsibility Payment?
The Employer Shared Responsibility Payment applies to some businesses with more than 50 full-time employees who don't offer insurance, or whose coverage doesn't...
What if my business has 50 or more employees?
If your business has over 50 employees, you're considered a "large business" under the health care law. Several important parts of the law apply to you.
What if I already insure my employees?
If you insure your employees now, you can keep the coverage you have. If you have 50 or fewer full-time employees, you may offer a plan via SHOP instead.
How do I choose coverage that’s right for my business?
There are 4 categories of plans in the SHOP Marketplace. They offer similar benefits, but differ based on how enrollees and the plan share the costs of care.
What do I need to tell my employees about the Marketplace?
Under the health care law, many employers must notify their employees about the Health Insurance Marketplace by October 1, 2013. Sample notices are available.
Can I use an agent or broker to buy health insurance in the Marketplace?
You will be able to use a licensed agent or broker to provide help or handle your SHOP business. You won’t pay more if you use a SHOP agent or broker.