See if Your Small Business Qualifies for SHOP

How to Qualify for SHOP Insurance

If you’re considering offering Small Business Health Options Program (SHOP) group health insurance to your employees, you’ll generally need to meet these three requirements: Have 1-50 full-time equivalent employees (FTEs). You must have at least 1 FTE employee other than owners, business partners, and spouses and family members of owners and business partners. Offer coverage to all eligible full-time employees. This usually means those who work 30 hours per week or more. Have a principle business address or employee worksite in the state whose SHOP you want to use. You may also need to meet a specific minimum participation rate, which usually requires at least 70% of your employees to accept your SHOP coverage offer or have other qualifying coverage. Ready to get started? Follow the link below to select your state and learn more about its specific SHOP program!

Questions? Contact your insurance company or an agent or broker for help. For additional assistance, contact the SHOP Call Center at 1-800-706-7893 (TTY: 1-888-201-6445).