Agents and brokers must register with the Small Business Health Options Program (SHOP) to sell SHOP insurance. Once registered, you're ready to sell SHOP coverage.
Agents & brokers: Take action
How to sell SHOP health insurance to small businesses
SHOP insurance is quality, private health insurance for your small business and non-profit clients. Follow these steps to help your clients enroll:
Find out if clients qualify. SHOP insurance is generally only available to small businesses and non-profits with 1-50 employees.
Help your client predict costs. Use these simple tools to help estimate costs:
Help your client enroll. For 2018 plans, SHOP has a new enrollment process for small businesses. Small businesses no longer need to use HealthCare.gov to enroll. They'll enroll 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.
5 reasons to sell SHOP coverage
- Serve your existing clients. Small employers are looking for help – and you can provide a range of services for them from answering questions to handling everything from start-to-finish.
- Handle everything conveniently. Accessing SHOP plans is simple for plans starting January 1, 2018 or later. Instead of enrolling and managing coverage through HealthCare.gov, you’ll conduct all your business where you are most familiar – working with the private insurance companies you know best.
- Help very small business clients get special tax breaks. Businesses with less than 25 full-time equivalent employees (FTEs) and average salaries below $50,000 may qualify for a tax credit worth up to 50% of their premiums. Find out if they may qualify and how much they’ll save. The Small Business Health Care Tax Credit is generally only available when a business enrolls in SHOP insurance.
- Get your commission. Insurance companies are required to pay the same commission for SHOP plan sales as any other small group sale.
- It's easy for new clients to find you. After you register to sell SHOP insurance, small employers looking for help in your area can find you easily using the Find Local Help tool.