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For SHOP plans in states with a Federal SHOP, employers won’t use HealthCare.gov to enroll employees in or renew coverage. Instead, they’ll work with their insurance company or SHOP-registered agent or broker. (Employees will get their coverage offers from the insurance company or employer.)

But, some employers may still need to use HealthCare.gov to verify that they're eligible if they're enrolling in SHOP for the first time, had a gap in coverage, or have made a change that could end their eligibility.

Even though you won't use HealthCare.gov to enroll, it has a variety of resources available to you. You can get a custom quote and estimate your savings through the Small Business Health Care Tax Credit.

Generally, no. To continue or change the insurance you offer your employees, you typically must renew each year. You may get a notice from your insurance company when your business is approaching its renewal date, but this may vary by insurance company.

If you're self-employed and have no employees, you can enroll in coverage through the Health Insurance Marketplace^®. You can't enroll in a SHOP plan. Learn more about self-employment.

If you have at least one full-time employee (other than yourself, a spouse, a family member, or another owner), you may be able to enroll in a SHOP plan. Learn more about SHOP eligibility requirements.

The prices shown are estimates based only on some basic information. When you apply, you’ll provide more details and get the exact amount you’d pay for each plan.

Yes, offering SHOP coverage is generally the only way to qualify for the Small Business Health Care Tax Credit. To be eligible, your business must have fewer than 25 employees (or the full-time equivalent of 25, based on a 40-hour work week), an average salary of about $56,000 or less, and meet some other requirements.

Yes. You can work with any Marketplace-registered agent or broker who signed a SHOP privacy and security agreement for the applicable plan year. Ask any agent or broker you want to work with if they’ve signed it for the current plan year.

You may still be able to get SHOP insurance through a different insurance company or plan.

Discover plans that may be available to you or find an agent or broker in your area to help.

If SHOP plans aren't available in your area, you may still be able to enroll in non-SHOP small group coverage.

There are several other options for offering insurance to your employees if there are no SHOP plans available in your area. You may still be able to enroll in a small group health plan by working with a health insurance agent or broker, or by purchasing it directly from an insurance company.

Discover plans that may be available to you or find an agent or broker in your area to help.

In areas with no available SHOP plans, some small businesses that offer non-SHOP small group coverage may still be able to claim the Small Business Health Care Tax Credit. Review guidance from the IRS.

If you decide to terminate your business’ employer-sponsored coverage, your employees may be eligible to apply for coverage through the Health Insurance Marketplace^®.

Find out more about other products and services that may be available to small businesses.

Contact your insurance company or a SHOP-registered agent or broker with questions about SHOP plans, enrollment, renewal, and changing or updating coverage.

For questions about SHOP eligibility determinations or HealthCare.gov, you can contact the SHOP Call Center at 1-800-706-7893 (TTY: 1-888-201-6445).

No. You can decline your employer's SHOP coverage and get insurance through another source. But you may not be eligible for a tax credit or savings through the Marketplace if you decline employer-sponsored coverage.

Yes, most people are eligible to enroll in health coverage through the Marketplace. You’ll use the Marketplace for individuals and families to buy health insurance instead of SHOP — which is generally only available to small businesses (generally those with 1-50 employees).

Generally, no. You probably won’t qualify for group coverage if you run your own business and have no employees, or are self-employed. But you can purchase qualified health coverage through the Marketplace for individuals and families. To qualify for SHOP, you generally must have between 1-50 employees with at least one employee other than the owners or their spouses.

Learn more about getting insurance if you're self-employed, including how self-employment is defined.

If you previously had health coverage through SHOP, you may be able to maintain coverage, but you'll likely have to pay for the entire premium yourself. Check with your employer about signing up for COBRA coverage. Otherwise, only members of the group health plans of businesses that are offering SHOP plans can enroll.

If you’re unemployed, you may be eligible to enroll in a plan through the Marketplace.

Learn about your coverage options if you’re unemployed.

To sell SHOP plans, you must have an active state insurance license and a National Producer Number (NPN), have completed Marketplace registration, and sign the SHOP privacy and security agreement each year.

First, you’ll need to have a CMS Enterprise Portal user ID. If you don’t already have one, you can register for one at the CMS Enterprise Portal. Then, you’ll need to sign the yearly SHOP Privacy and Security Agreement in the Marketplace Learning Management System (MLMS).

You'll also be asked if you want your contact information to be displayed for SHOP. Select "Yes," so small employers can find you through the Find Local Help tool.

You can check with the insurance company for most questions about SHOP plans, such as applications, enrollment, renewal, and changing or updating coverage.

For questions relating to the eligibility determination, appeals process, or agent/broker registration, please contact the Marketplace agent/broker email help desk at FFMProducer-AssisterHelpDesk@cms.hhs.gov.