Small Business Health Options Program

The Small Business Health Options Program (SHOP) is a new way to provide insurance for your employees.
Small Business Health Options Program - Articles


While no employers are required to offer health coverage, there are a number of important considerations you will want to understand.

Since 2014, businesses with 50 or fewer full-time equivalent (FTE) employees can use SHOP to offer coverage to their employees. This applies to non-profit organizations as well. You, as the employer control the coverage you offer and how much you pay toward premium costs. With one online application, on your own or with the help of an agent, broker, or other assister, you can compare price, coverage, and quality of plans in a way that's easy to understand.

SHOP Marketplace

The SHOP Marketplace is a great site designed to address a wide range of questions or considerations you may have about SHOP and the options available to you.

Health coverage through SHOP started in January 1, 2014. Open enrollment began on October 1, 2013. You can sign up and begin offering coverage any time during the year.

Have questions about the SHOP Marketplace for businesses with 50 or fewer employees? Call 1-800-706-7893 (TTY users: 1-800-706-7915). Hours: Monday through Friday, 9 a.m. to 5 p.m. EST.

An additional resource for small businesses is the Small Business Administration's website.

Pennsylvania small businesses can go directly to the SHOP website to fill out an application and see your plan choices. In the meantime, they can help you get ready.

Please note, while there is a wealth of information available to you within the website that does not require establishing an account, you will be required to create an account to enter those designed to address your specific circumstances.