The Small Business Health Options Program (SHOP) allows small businesses to provide affordable, flexible, and convenient health and/or dental insurance to their employees. To offer SHOP coverage to your employees, your business must meet four requirements: Generally have 1-50 full-time equivalent (FTE) employees other than owners, spouses, and family members of owners and partners; Offer coverage to all FTE employees. Enroll at least 70% of the employees to whom you offer coverage (applicable in most states); and Have an office or employee work site within the state whose SHOP you want to use.  You can use the SHOP Eligibility Determination Form to verify your eligibility by clicking the button below! Applicants can view their SHOP eligibility determination when they submit the form and receive a copy via email.   You can also work with a SHOP-registered agent or broker to determine your eligibility for SHOP coverage by visiting Find Local Help. If your primary business address is located in a state with a state-based SHOP, contact the state Marketplace for more information about SHOP health coverage.   Have questions? Contact your insurance company or a SHOP-registered agent or broker for help with SHOP coverage. For additional assistance, contact the SHOP Call Center at 1-800-706-7893 (TTY: 1-888-201-6445).  To learn more about Health Reimbursement Arrangements (HRAs), visit this webpage. Talk to a licensed tax professional, benefits specialist, or a registered agent or broker to determine whether an HRA or traditional group coverage is right for your business. |