The Small Business Health Options Program (SHOP) Marketplace helps small businesses provide health coverage to their employees.
The SHOP Marketplace is open to employers with 50 or fewer full-time equivalent employees (FTEs), including non-profit organizations. You can enroll in SHOP at any point throughout the year.
The SHOP Marketplace allows you to offer high-quality health and dental coverage that meets the needs of your business and your employees. SHOP offers flexibility, choice, and the convenience of online application and account management.
Call the SHOP Small Employer Call Center at 1-800-706-7893 (TTY: 711). Monday through Friday, 9 a.m. to 7 p.m. ET. Agents and brokers may also use this number.
Not if you have 50 or fewer full-time equivalent (FTE) employees. You can choose to offer insurance through the SHOP Marketplace or any other source. But you don’t have to, and you don’t face a penalty if you don’t.
Generally no. Spouses and family members aren’t included when determining if your business is eligible to offer SHOP coverage. To be eligible for SHOP you must have between 1 and 50 full-time equivalent employees who aren’t business owners, partners, or family members.
Yes. You can choose to offer dental coverage to employees, but you don’t have to. Offering dental coverage may be particularly important if you’re offering dependent coverage and the medical plan or plans you’re offering don’t include pediatric dental benefits.
If you choose to offer dental coverage, you’ll select a coverage category, high or low, and set the percentage of the premium costs you want to contribute. Employees can use your contribution toward any dental plan offered within the coverage category you select.
Yes, but only if they qualify for a Special Enrollment Period due to a life change like having a baby, adopting a child, or getting married. Learn more about buying SHOP coverage outside the initial enrollment period (PDF).