The Small Business Health Options Program (SHOP) is adding some new features for 2018 that'll impact how small employers enroll in and manage their coverage for SHOP plans starting on or after January 1, 2018. This page will be regularly updated with the latest news and information.
Note: To start enrolling in SHOP insurance that begins on or after January 1, 2018 you should contact your agent, broker or insurance company in November.
What's changing with SHOP in 2018
- Instead of using HealthCare.gov to choose a plan and enroll, you’ll work with an insurance company or with a SHOP-registered agent or broker. You’ll work with your agent, broker or insurance company to pay your premiums, and you won’t make payments through HealthCare.gov.
- If you're enrolling in SHOP insurance for the first time or have experienced a gap in coverage, you’ll use HealthCare.gov to verify your eligibility for SHOP insurance.
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IMPORTANT: Looking for 2017 SHOP information?
Employers with SHOP insurance that began in 2017 will continue to use HealthCare.gov through the end of their plan year. Learn more about 2017 SHOP coverage.
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What's staying the same with SHOP in 2018
- SHOP is open for small businesses. Small businesses with between 1-50 employees are generally eligible for SHOP. Use the eligibility determination tool to see if your business qualifies.
- Offer SHOP coverage to save money. Offering SHOP coverage is generally the only way for small businesses to save with the Small Business Health Care Tax Credit.
- Get information easily. You can still use HealthCare.gov to confirm that your business is eligible for SHOP, browse plans and prices, and find useful resources for enrolling in coverage.
- You can work with an agent or broker. You can use your current SHOP-registered agent or broker or find a new one in your area through the Find Local Help tool.