Mobile website

Affordable Care Act: What is SHOP? from Partner Agency Insurance Services

Reliable insurance for you and your family

We're Here For You

Affordable Care Act: What is SHOP?

Feb 26, 2014

ACA Quick Facts:  What is the Small Business Health Options Program (SHOP)?

Several provisions of the Affordable Care Act (ACA) affect small businesses, their employees, and families. Currently, smaller businesses are less likely to offer health insurance coverage to their employees than larger companies: 57% of small businesses with 50 or fewer workers offered health benefits to employees in 2011, compared to 92% of businesses with 51 to 100 workers, and 97% of businesses with 101 or more workers.

Who is eligable?

Beginning in 2014, small employers (up to 50 employees/100 beginning in 2016) can apply to participate in SHOP.

  • Employer groups can enter SHOP at any time
  • SHOP-participating employers must make coverage available to all full-time employees

Small Employer Group tax credit eligibility

  • Tax credit for small employers who provide coverage through SHOP (available for 2-year period, 2014-2016)
  • Must have 25 or fewer employees
  • Average employee wages must be under $50,000
  • Employer must contribute at least 50% toward the premium

The SHOP Enrollment Process

Employer Enrollment

  •  Can enroll any time during the year
  • The SHOP can establish minimum participation standards and can limit enrollment of plans that do not meet these standards to Nov. 15–Dec. 15 of each year (in SHOP, the exchange establishes its rules)

Employee Open Enrollment

  • •Yearly open enrollment period, based on the plan year, as usual

Special Enrollment

  •  Employees who have certain qualifying events occur (e.g., birth, death of spouse, loss of job) will have a special enrollment period that lasts 30 days from date of qualifying event.

Who can help with all my questions? 

Partner Agency Insurance Services, Inc. can provide you with professional expertise in understanding your health care options, guidance in application and eligibility process plus offer you affordable health care coverage through Covered California or directly with medical insurance carriers for Individuals and Families or Employer Group coverage for groups of any size.  Please feel free to contact us for a complimentary quote from various companies for almost any kind of insurance at (714) 482-9500.

Article Comments

There are no comments yet.

Be the First to Leave a Comment * indicates a required field


(Do not fill out this field, or your comment will be ignored. This field is here to help us protect against automated comments.)

Your name, comment, and URL will appear on this page after it has been reviewed and approved. Your email address will not be published.

« Back to all news


Subscribe to our RSS feed


More articles related to…


Refer a friend to us

Friend in need of an insurance referral

To show our appreciation for your referral, we'll donate $25 to a charity of your choice as a thank you!

Refer someone now »

Home  |  About  |  Contact  |  Service  |  Privacy  |  Disclaimer  |  Search

© 2017 Partner Agency Insurance Services, Inc.

975 W. Imperial Hwy #100
Brea, CA 92821