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Last Day to Enroll in SHOP Coverage with No Minimum Participation Rate

Tomorrow is the last day for small businesses to enroll in the Small Business Health Options Program (SHOP) without having to meet the Minimum Participation Rate (MPR) or a minimum employer contribution requirement. This allows small businesses to offer a SHOP plan even if they dont meet the required participation level. Enroll today!

After December 15, small businesses will need to meet their states MPR and an employer minimum contribution requirement to enroll in SHOP coverage. For most states, this means 70% of employees must either accept the offer of SHOP coverage or be enrolled in other qualified health coverage for a group to participate in SHOP. Employer contribution rules may also require you to contribute a specified percentage to your employees premium costs. The MPR Calculator is available to help employers predict if they will meet the MPR required to enroll in SHOP coverage in their state. The MPR is waived from November 15 through December 15 each year.

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Employers can visit the see plans and pricesfeature on HealthCare.gov to find a list of all available SHOP plans.


Have questions? Contact your insurance company or a SHOP-registered agent or broker for help with SHOP coverage. For additional assistance, contact the SHOP Call Center at 1-800-706-7893 (TTY: 1-888-201-6445).

To learn more about Health Reimbursement Arrangements (HRAs), visit this webpage. Talk to a licensed tax professional, benefits specialist, or a registered agent or broker to find out more about whether an HRA or traditional group coverage is right for your business.


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