In order to use the Small Business Health Options Program (SHOP) Marketplace to offer health insurance to your employees, your business must meet all of these requirements:
You must have 50 or fewer full-time equivalent employees (FTEs).
You must offer coverage to all your full-time employees — generally workers averaging 30 or more hours per week.
In most states, at least 70% of the employees you offer insurance to must either enroll in your plan or have coverage from another source.
You must have an office or employee work site within the state whose SHOP Marketplace you want to use.
Non-profit organizations can also use the SHOP Marketplace if they meet all the requirements.
Starting in 2016, some states may make the SHOP Marketplace available to businesses with up to 100 employees. If you have more than 50 employees and don’t know if you can use the SHOP Marketplace, contact your state Department of Insurance or the SHOP Call Center using the number above.
In most states, at least 70% of the employees you offer coverage to must enroll in it or have coverage from another source — like a family member’s job, Medicare, Medicaid, the military (TRICARE), veterans programs, or individual health insurance.
States with different minimum participation rates:
The SHOP Minimum Participation Rate Calculator takes your state’s rules into account and tells you how many of your employees must accept your offer. Before using this tool, you may want to find out from your employees if they're interested in health coverage you may offer, and if they already have coverage from another source.
See your options if you don’t meet the minimum participation rate (PDF).