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Use This Guide to Pick the Best Fit for Your Business

TheSmall Business Health Options Program(SHOP) is for small businesses that want to provide health and/or dental insurance to their employees. Offering coverage through the SHOP is affordable, flexible, and convenient. However, it is not the only coverage option for your business.

Health Reimbursement Arrangements(HRAs) are a type of account-based health plan that employers can use to reimburse employees for their medical care expenses, including individual health insurance coverage, like a plan from theIndividual Marketplace. Employers can decide what they contribute with no annual maximum.

If youre deciding between group coverage or an HRA, you can use ourdecision guideto find out which option fits the needs of your small business and employees. This guide will give you an overview of key things to know about group coverage and HRAs, including eligibility requirements, coverage options, and costs.

See the Decision Guide!

Have questions?Contact your insurance company or a SHOP-registeredagent or brokerfor 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 aregistered agent or brokerto find out more about whether an HRA or traditional group coverage is right for your business.


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