The SHOP Marketplace offers 3 tools to help you offer employee health insurance.

The SHOP FTE Calculator

  • Helps you know if your mix of full-time and part-time employees equals less than 50 full-time equivalent employees (FTEs). Only business with 50 or fewer FTEs can use the SHOP Marketplace.
  • Have this information handy for the applicable tax year:
    • A list of all your employees, both full-time (those working 30 or more hours per week) and part-time (working fewer than 30 hours per week)
    • The number of hours worked per week by each part-time employee

GO TO THE SHOP FTE CALCULATOR

Learn more about how FTEs are counted for SHOP (PDF).

The Small Business Health Care Tax Credit Estimator

  • Helps you know if you qualify for the Small Employer Health Care Tax Credit, and if so, approximately how much it would be
  • Have this information handy for the applicable tax year:
    • Number of employees who work 40 hours or more per week
    • Number of hours worked by all part-time workers who work at least 120 days per year
    • Total wages paid (the amount subject to Social Security and Medicare tax)
    • Total amount of health insurance premiums you pay for your employees

GO TO THE TAX CREDIT ESTIMATOR

Learn more about the Small Business Health Care Tax Credit (PDF).

Minimum Participation Rate (MPR) Calculator

  • Helps you predict if you’ll meet the MPR required to enroll in the SHOP Marketplace (in most states, at least 70% of employees must accept their insurance offer before the group can enroll)
  • Have this information handy when using the calculator:
    • State where the main business office is located
    • Number of employees accepting coverage
    • Number of employees not accepting your insurance offer who don’t have other kinds of health coverage
    • Number of employees not accepting your SHOP insurance offer who are covered by other insurance (like another job plan, a spouse’s or another person’s coverage, COBRA, the individual and family Health Insurance Marketplace, Medicare, Medicaid, veterans coverage, Indian Health Service coverage, or TRICARE).

GO TO THE MINIMUM PARTICIPATION RATE CALCULATOR

Learn more about minimum participation rates (PDF).

Questions?