How to enroll in SHOP insurance

Find out if your small business qualifies for SHOP

To offer Small Business Health Options Program (SHOP) health and/or dental insurance to your employees, your business or non-profit organization must meet 4 requirements:

1. Have 1-50 full-time equivalent employees (FTEs)

  • Use the FTE Calculator to find out if you qualify.
  • To qualify for SHOP, you must have at least 1 FTE employee other than owners, spouses, and family members of owners, and partners.

2. Offer coverage to all full-time employees

  • Full-time employees generally work 30 or more hours per week.
  • You don’t have to offer coverage to part-time employees — those averaging less than 30 hours per week — or seasonal workers. (But, you can offer coverage to part-time employees if you choose.)

3. Enroll at least 70% of the employees you offer insurance to

4. Have an office or employee work site within the state whose SHOP you want to use