Small group employers

(less than 50 employees)

Small businesses (less than 50 employees) also can use an exchange to find insurance for their employees. These are called Small Business Health Options Programs, or SHOPs, for short. The individual and SHOP exchanges may be separate or combined.


Three options for health insurance in 2014

Subsidies for small employers

Other options may exist such as defined contributions or adjusting contributions by employee. This means employers give each employee a certain amount to spend on health insurance they find themselves.

Tax credits will increase for employers with 25 or fewer employees (with an average wage of less than $50,000 a year) who offer coverage through an exchange.