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If you qualify as a large employer (generally one with at least 50 full-time and full-time equivalent employees):
- You may have to offer health insurance that meets certain standards.
- If you don't, you may be liable for a payment. Learn more about the Employer Shared Responsibility Payment.
If you don’t qualify as a large employer:
- You're not required to offer health insurance to your employees, and you won't face a penalty if you don't.
- But you can choose to offer health insurance through SHOP or another source.
For SHOP plans in states with a Federal SHOP, employers won’t use HealthCare.gov to enroll employees in or renew coverage. Instead, they’ll work with their insurance company or SHOP-registered agent or broker. (Employees will get their coverage offers from the insurance company or employer.)
But, some employers may still need to use HealthCare.gov to verify that they're eligible if they're enrolling in SHOP for the first time, had a gap in coverage, or have made a change that could end their eligibility.
Even though you won't use HealthCare.gov to enroll, it has a variety of resources available to you. You can get a custom quote and estimate your savings through the Small Business Health Care Tax Credit.
It's a 12-month period of benefits under your health plan. For SHOP coverage, this period may not be the same as the calendar year. To find out your plan year, ask your insurance company or employer.
Generally, no. To continue or change the insurance you offer your employees, you typically must renew each year. You may get a notice from your insurance company when your business is approaching its renewal date, but this may vary by insurance company.
If you're self-employed and have no employees, you can enroll in coverage through the Health Insurance Marketplace®. You can't enroll in a SHOP plan. Learn more about self-employment.
If you have at least one full-time employee (other than yourself, a spouse, a family member, or another owner), you may be able to enroll in a SHOP plan. Learn more about SHOP eligibility requirements.
You'll make your SHOP premium payments to your insurance company or companies, not HealthCare.gov.
Use the Find Local Help tool by entering your ZIP code and check the box saying you're looking for coverage for your small business. You'll see a list of nearby agents and brokers who sell SHOP plans to small businesses.