SHOP insurance is quality, private health insurance for your small business and non-profit clients. Agents and brokers must register each year with the Federally-facilitated Marketplace to sell SHOP insurance.

Agents & brokers: Take action

• Not registered with SHOP yet? Get started.
• Questions? See all SHOP tools and resources for agents and brokers.

How to sell SHOP health insurance to small businesses

Follow these steps to help your clients enroll in SHOP plans:

1. Explore available SHOP plans.

   • Use the See Plans and Prices tool on HealthCare.gov to find SHOP plans in your area.
   • Learn more about other health coverage products and services that may be available for small businesses in areas with no SHOP plans.

2. Find out if clients qualify. SHOP insurance is generally only available to small businesses and non-profits with 1–50 employees.

   • See if your clients may be a small employer using the SHOP Full-Time Equivalent (FTE) Calculator.
   • Use the Minimum Participation Rate Calculator to find out if your clients meet the participation requirement.
     
     IMPORTANT: Self-employed individuals and small business owners with no employees can use the Marketplace for individuals and families to find health insurance coverage.

3. Help your client predict costs. Use these simple tools to help estimate costs:

   • Tell us some information about your client's business for a custom estimated premium quote.
   • Get an idea if your clients qualify for the Small Business Health Care Tax Credit.
     
     Note: When using the tools, your small business client should have important information on hand, like a list of employees. They should also think about when coverage will start, how long employees will have to respond to the offer, the waiting period for new employees, and how much they want to contribute to employees' coverage.

4. Help your clients enroll. Eligible small employers may enroll in SHOP plans through an insurance company or with your help. This makes it easy for you to help your clients, while working with the platforms you know best.

Questions?

• See all SHOP fact sheets, how-to guides, videos, and other resources for agents and brokers.
• Contact the SHOP Call Center at 1-800-706-7893 (TTY: 1-888-201-6445).