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What do I do if my employer offers health insurance through the SHOP Marketplace?


The Small Business Health Options Program (SHOP) is a new program that is being initiated as a result of the Affordable Care Act (ACA).  The program will be available to employers with 50 or fewer full time equivalent employees (FTE).  Under SHOP employees can enroll for health insurance under the program beginning on October 1, 2013. Health insurance that is purchased through the SHOP goes into effect on January 1, 2014.


Employee enrollment process

If your employer offers you health insurance through the SHOP, there arethree steps that you will have to complete in order to get coverage.


Step 1. When your employer decides to offer health insurance through the SHOP Marketplace, you will be able to decide if you want to enroll in the coverage that was selected by your employer. Your employer will be able to provide with the information that you will need to enroll. If you choose to, you can enroll through then SHOP marketplace.   


Step 2. When you enter the marketplace you will be asked to provide personal information such as your name, date of birth and Social Security number.


Step 3. Review the plan to determine if it meets your needs and if the premium is within your budget, you can enroll.


Other Options

If you decide not to accept the insurance that your employer offers you could be penalized by the IRS for failing to buy insurance. Also if you purchase insurance through the individual insurance marketplace, you may lose your employer contribution, and you may not qualify for the premium tax credit.

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