SHOP Guide for employers who currently provide coverage

If you already offer health insurance to your employees

If you currently offer health insurance to your employees, you can keep the coverage you have.

If you have between 1 - 50 full-time equivalent (FTE) employees, you may be able to offer Small Business Health Options Program (SHOP) insurance instead.

If your employees enroll in coverage through the Marketplace

Your employees can enroll in coverage through the Health Insurance Marketplace instead of accepting your SHOP coverage offer. However, as long as your coverage is considered affordable and meets minimum value, the employees you offer coverage to are not eligible for a premium tax credit if they buy coverage through the Marketplace instead of through SHOP.

Questions?