The Shop / Covered CA
The Small Business Health Options Program (SHOP) is for small employers who want to provide health and/or dental insurance to their employees — affordably, flexibly, and conveniently.
To purchase SHOP insurance, your business or non-profit organization generally must have 1 to 50 employees. See if your business qualifies for SHOP.
If eligible, you don’t have to wait for an Open Enrollment Period. You can start offering SHOP coverage to your employees any time of year.
5 Options for Personal and Family health insurance:
Option 1. Stay on your existing group medical plan via COBRA or Cal-COBRA. If you’re family is on a large group plan this might be advisable.
Option 2. Qualify for a subsidized contract via Covered California / On-Exchange. We can give you a live quotes to see if you are illegible for subsidized contracts on this site, Click here for Live Quote. How much subsidy you can get depends on a families combined income. Should your family income be below what our site is states for your information, you might be eligible for subsidy. You cannot enroll for subsidy on this site, You can only quote it. However, please contact us so we can walk you through the government site. A CBB representative will help you navigate this enrollment site at no charge. On the Covered CA site there, please apply as a “user only” and get a user ID and Password. Then Contact us! If you go any further we will not be able to help you.
Option 3. Purchase standalone Off-Exchange individual health insurance plan. Given you have a qualifying event for 60 days. Click here for a live quote!
Option 4. Take advantage of spouses group or individual plan using the 60 day qualifying event status. We can advise if this is whats best for your family given your personal situation.
Option 5. If over age 65 you might be eligible for medicare programs.
We will help see which option is best for you at NO COST, Contact Us.
Four reasons to offer SHOP coverage
- SHOP insurance gives you choice and flexibility. You can:
Offer your employees one plan, or let them choose from multiple
Offer only health coverage, only dental coverage, or both
Choose how much you pay toward your employees’ premiums and whether to offer coverage to their dependents
Decide how long new employees must wait before enrolling
Get the information you need in one location. You can make an informed decision about your SHOP insurance options with the tools at HealthCare.gov:
You can work with an agent or broker. You can use your current SHOP-registered agent or broker or find a new one to help you enroll in coverage.
Find an agent or broker in your area: Contact Us, as we can likely be your broker.
You may be able to get the Small Business Health Care Tax Credit. Enrolling in SHOP insurance is generally the only way for eligible small employers to take advantage of the Small Business Health Care Tax Credit. You may qualify if you have fewer than 25 full-time equivalent (FTE) employees making an average of about $50,000 or less.
* There is no cost to have one of the CBB staff help navigate this or any other market option we can only add value.