Learn how small businesses can access affordable healthcare through the Small Business Health Options Program (SHOP). This guide covers eligibility, benefits, and step-by-step enrollment tips for businesses with up to 50 employees, emphasizing options, subsidies, and resources to simplify the process.

If you manage a business with at least one full-time employee, you qualify for the Small Business Health Options Program (SHOP). This initiative helps small companies provide their staff with affordable health insurance options. Businesses with 1 to 50 employees can take advantage of SHOP plans, which offer a variety of healthcare coverage choices.

The government promotes SHOP enrollment for four key reasons:

It provides a wide range of plans and customization options, including dental coverage, contribution levels, dependent coverage, and enrollment periods.

Detailed information about SHOP plans is available online, enabling you to compare premiums, verify eligibility, and choose the best coverage for your needs.

Assistance from insurance agents, brokers, or providers can streamline the enrollment process. The official SHOP website offers helpful resources and guidance.

Companies with fewer than 25 full-time employees may qualify for the Small Business Health Care Tax Credit, reducing costs.

To qualify, your business must:

Be located in the state where you purchase coverage.

Have at least one full-time employee enrolled, excluding owners and spouses.

Have 1 to 50 full-time equivalent employees.

Offer SHOP coverage to all eligible full-time staff.