Small business employees have several options for getting health insurance coverage. Here’s what you need to know about:
SHOP insurance plans are generally available to small businesses with 1-50 employees. If your employer offers health insurance through SHOP, you'll get offer information from your employer or its insurance company.
You don’t need a HealthCare.gov account
You don’t need to create an account on HealthCare.gov or log into your existing account to review your offer or manage your SHOP coverage. Contact your employer or insurance company if you have questions about your coverage.End highlighted text
You’ll have the option to accept or decline your employer’s offer. Read the offer carefully. Make sure you understand the coverage and costs, including the premium, deductible, copayments, and coinsurance.
Note: If you’re considering coverage through the Health Insurance Marketplace®, but have a coverage offer from your employer, you may not qualify for income-based premium tax credits or savings on your plan.
Employees may still be eligible for premium tax credits if the plan you offer isn’t considered “affordable”. Affordability is based on how much the employee pays for coverage for themselves and their dependents. If the plan isn’t affordable, the employee may enroll in a Marketplace plan instead.
If you decline your employer’s offer or your employer doesn’t offer coverage, you have other options for getting coverage: