Small Business Owners

I work for a small business. What do I do?

If your employer decides to offer a plan through the SHOP: You’ll receive an invitation from your employer that gives you 30 days to enroll. The earliest date that employees can start enrolling is November 1, 2013.

If you choose not to use your employer’s plan: You will not be eligible for government assistance unless the cost of your employer’s plan is more than 9.5% of your income.

If your employer does NOT offer a plan through the SHOP: You can acquire coverage through the Exchange. Find Out More Here

Is Providing Insurance Required?

No, but offering affordable coverage through the SHOP is a great way to attract and retain quality employees.

What is the SHOP?
You control the amount of coverage and how much you pay toward premiums.

The Small business Health Options Program (SHOP) is a new program that simplifies the process of buying health insurance for small businesses. Through the SHOP, employers may apply to offer their employees an insurance plan that will cover essential health benefits. Eligible employers can compare health plans online in order to select the ones that are the best fit for their business.

Why Should I Use the SHOP?

Small business owners know that the ability to offer employees high-quality health insurance is a competitive advantage in the labor market. Providing health insurance to employees helps you recruit and retain the best talent while keeping employees happier, healthier and, thus, more productive. Through, you will have a wide variety of tools at your fingertips to help select and administer all of your employees’ health insurance benefits.

Compare Plans

Before going to the SHOP employers may compare plans, premiums and benefits using our Group Plan Comparison tool. Employers can try different contribution amounts and see what their total premiums will be.

Start Shopping

Qualifying small business owners can shop for and enroll in a health care plan of their choice using the SHOP website.

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