Your Source for Health Reform

Topic: SHOP



The Small Business Health Options Program, or SHOP, is a marketplace that helps small businesses provide health coverage to their employees. Employers with 50 or fewer full-time-equivalent employees can buy employee coverage on the SHOP through a broker or agent, and those with fewer than 25 employees may qualify for tax credits.


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ACA Provisions for Small Businesses

This roundup from the Small Business Administration details key provisions of the Affordable Care Act for employers with fewer than 25 employees, with links to essential FAQs, fact sheets, temporary guidance documents, and final rulings, published in the Federal Register. Topics covered include the SHOP, Small Business Tax Credit, employer notices to employees, medical loss ratio rebates, and other aspects of ACA implementation.

Need to Know ACA Info For Small Business

From the ACA definition of small employer to financial assistance on the SHOP, this June 2014 article from the Healthcare Trends institute outlines information critical to making an informed choice regarding employee health benefits.

Resources for Agents and Brokers in Health Insurance Marketplaces

Guidance, news and regulations; what a broker needs to know about the Small Business Health Options Program and Federally Facilitated Health Insurance marketplaces is all in one place in this quick-reference guide from the Centers for Consumer Information & Insurance Oversight at CMS.

How Medicare Works with the SHOP Marketplace

Coverage options for older adults continue to get more complicated. This fact sheet from the Medicare Rights Center explains how Medicare and Small Business Health Options Program plans operate when someone has both plans, including which is primary payer, and when you should enroll in Medicare.

Healthcare Tax Credit for Small Businesses

This fact sheet from the IRS details information for small business owners regarding the tax credit available under the ACA to help to pay for employee premiums. Eligibility and the benefits of the tax credit are discussed.

HHS Notice of Benefit and Payment Parameters for 2015

This HHS rule, issued in March 2014, addresses a number of Marketplace and private insurance issues related to federally-run insurance exchanges, financial assistance, and the operation of the SHOP for small businesses. (more…)

List of Qualified Health Plans on the Illinois Small Business (SHOP) Marketplace

This spreadsheet lists all Qualified Health Plans on Illinois’ Small Business Health Options Program. QHPs are listed by county, with sample premiums for individuals and families. The SHOP is Health Insurance Marketplace for employers with less than 50 FTEs. (For all qualified individual and family plans, see this page.)

Small Business Engagement in the SHOP

This study, prepared in August 2012 by the University of Illinois School of Public Health for the Illinois Department of Insurance, examined the environment for developing the state’s health insurance exchange for small business. (more…)

Small Business Provisions of the ACA

This July 2013 fact sheet from the federal Small Business Administration details the provisions of the Affordable Care Act that will help small businesses by lowering premium cost growth and increasing access to quality, affordable health insurance. It also linkts additional resources from the IRS, the Department of Labor, and HealthCare.gov.

SHOP Application Form for Small Businesses

CMS released sample SHOP applications that small businesses will use to apply for coverage. The print application forms are for small businesses that cannot apply online, and are not working with a broker. Small businesses working with a broker will need to apply online, so they can enter their broker ID and NPN number. There are two print versions of the SHOP application: this one for the small business employer, and another one for employees.)

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