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0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z"></path></svg></button><ul role="list" class="ds-c-vertical-nav__subnav ds-c-vertical-nav--collapsed" id="topic-section--0__subnav"><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="/small-businesses/choose-and-enroll/shop-marketplace-overview">Why use the SHOP Marketplace?</a></li><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="https://surveys.cms.gov/jfe/form/SV_23t9zWPVfCvwSA6">Verify your eligibility for SHOP</a></li><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="/small-businesses/provide-shop-coverage/small-business-tax-credits">Small Business Health Insurance Tax Credit</a></li><li class="ds-c-vertical-nav__item"><a 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direction="down"><path fill="currentColor" d="M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z"></path></svg></button><ul role="list" class="ds-c-vertical-nav__subnav ds-c-vertical-nav--collapsed" id="topic-section--2__subnav"><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="/small-businesses/agents-and-brokers/register-for-the-shop-marketplace">How to register with SHOP</a></li><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="/small-businesses/agents-and-brokers/sell-health-insurance-through-shop/">How to sell SHOP coverage</a></li><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="/small-businesses/agents-and-brokers/guides-tools-resources-for-agents-and-brokers">Additional resources for agents & brokers</a></li></ul></li><li class="ds-c-vertical-nav__item"><button class="ds-c-vertical-nav__label ds-c-vertical-nav__label--parent" aria-controls="topic-section--3__subnav" aria-expanded="false">Other Information for Businesses<svg aria-hidden="true" class="ds-c-icon ds-c-icon--arrow ds-c-icon--arrow-down" viewBox="0 0 320 512" xmlns="http://www.w3.org/2000/svg" direction="down"><path fill="currentColor" d="M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z"></path></svg></button><ul role="list" class="ds-c-vertical-nav__subnav ds-c-vertical-nav--collapsed" id="topic-section--3__subnav"><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="/small-businesses/learn-more/explore-coverage">Exploring coverage options for businesses</a></li><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="/small-businesses/learn-more/individual-coverage-hra">Learn more about individual coverage HRAs</a></li><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="/small-businesses/learn-more/qsehra">Learn more about QSEHRAs</a></li><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="/small-businesses/learn-more/self-employed">How to get covered if you're a sole proprietor</a></li><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="/small-businesses/learn-more/how-aca-affects-businesses">How the ACA affects small businesses</a></li></ul></li><li class="ds-c-vertical-nav__item"><a 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href="/small-businesses/other-coverage/">Small Business Health Insurance</a><div data-testid="mega-menu" class="megaMenu-module--mega-menu--841ac"><button aria-expanded="false" class="megaMenu-module--toggle--b017c ds-c-button">See Topics<svg aria-labelledby="svg-inline--fa-title-mega-menu-icon-title" data-prefix="fas" data-icon="caret-down" class="svg-inline--fa fa-caret-down megaMenu-module--toggle-caret--8b9b2" role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512" prefix="fas" aria-hidden="true" focusable="false"><title id="svg-inline--fa-title-mega-menu-icon-title">Caret icon</title><path fill="currentColor" d="M137.4 374.6c12.5 12.5 32.8 12.5 45.3 0l128-128c9.2-9.2 11.9-22.9 6.9-34.9s-16.6-19.8-29.6-19.8L32 192c-12.9 0-24.6 7.8-29.6 19.8s-2.2 25.7 6.9 34.9l128 128z"></path></svg></button><div class="megaMenu-module--menu-container--af9e4 ds-l-container"><div class="megaMenu-module--menu-content--3e843"><div class="megaMenu-module--topic-group--dced5 ds-l-col"><div class="megaMenu-module--topic--24373"><h2 class="ds-text-heading--md megaMenu-module--topic-group-heading--32ef0">SHOP Coverage</h2><ul class="ds-c-list--bare"><li><a aria-current="page" class="megaMenu-module--topic-link--97a32" href="/small-businesses/choose-and-enroll/shop-marketplace-overview/">Why use the SHOP Marketplace?</a></li><li><a class="megaMenu-module--topic-link--97a32" rel="external" target="_blank" href="https://surveys.cms.gov/jfe/form/SV_23t9zWPVfCvwSA6">Verify your eligibility for SHOP</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/small-businesses/provide-shop-coverage/small-business-tax-credits/">Small Business Health Insurance Tax Credit</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/small-businesses/choose-and-enroll/using-insurance-agents-and-brokers/">How to work with an agent or broker</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/small-businesses/provide-shop-coverage/business-in-more-than-one-state/">Insurance for multiple locations & businesses</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/small-businesses/shop-calculators-mpr/">Minimum participation rates</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/small-businesses/choose-and-enroll/appeal-a-shop-decision/">Appeal a SHOP marketplace decision</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/small-businesses/choose-and-enroll/resources/">Additional resources for employers</a></li></ul></div></div><div class="megaMenu-module--topic-group--dced5 ds-l-col"><div class="megaMenu-module--topic--24373"><h2 class="ds-text-heading--md megaMenu-module--topic-group-heading--32ef0">SHOP Resources & Tools</h2><ul class="ds-c-list--bare"><li><a class="megaMenu-module--topic-link--97a32" href="/small-businesses/choose-and-enroll/tools-and-calculators/">Tools & calculators</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/see-plans/#/small-business">See SHOP plans & prices</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/shop-calculators-taxcredit/">Tax credit estimator</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/shop-calculators-fte/">FTE employee calculator</a></li><li><a class="megaMenu-module--topic-link--97a32" href="https://localhelp.healthcare.gov/#/">Find Local Help tool</a></li></ul></div><div class="megaMenu-module--topic--24373"><h2 class="ds-text-heading--md megaMenu-module--topic-group-heading--32ef0">SHOP for Agents & Brokers</h2><ul class="ds-c-list--bare"><li><a class="megaMenu-module--topic-link--97a32" href="/small-businesses/agents-and-brokers/register-for-the-shop-marketplace/">How to register with SHOP</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/small-businesses/agents-and-brokers/sell-health-insurance-through-shop/">How to sell SHOP coverage</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/small-businesses/agents-and-brokers/guides-tools-resources-for-agents-and-brokers/">Additional resources for agents & brokers</a></li></ul></div></div><div class="megaMenu-module--topic-group--dced5 ds-l-col"><div class="megaMenu-module--topic--24373"><h2 class="ds-text-heading--md megaMenu-module--topic-group-heading--32ef0">Other Information for Businesses</h2><ul class="ds-c-list--bare"><li><a class="megaMenu-module--topic-link--97a32" href="/small-businesses/learn-more/explore-coverage/">Exploring coverage options for businesses</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/small-businesses/learn-more/individual-coverage-hra/">Learn more about individual coverage HRAs</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/small-businesses/learn-more/qsehra/">Learn more about QSEHRAs</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/small-businesses/learn-more/self-employed/">How to get covered if you're a sole proprietor</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/small-businesses/learn-more/how-aca-affects-businesses/">How the ACA affects small businesses</a></li></ul></div><a class="megaMenu-module--browse-all-topics--db28c" href="/small-businesses/topics/">Browse all topics</a></div><div class="megaMenu-module--topic-group--dced5 ds-l-col"><label class="ds-text-heading--md megaMenu-module--featured-label--ed64e" id="mm-topic-featured">Featured</label><div aria-labelledby="mm-topic-featured"><img src="/assets/learn/static/featured/shop-marketplace-employees.png" alt="Two workers by a pier" class="megaMenu-module--featured-image--63c97" title="Two workers by a pier"/><p class="megaMenu-module--featured-heading--d1d6f">New Guide: Health Reimbursement Arrangements (HRAs)</p><a class="megaMenu-module--topic-link--97a32" href="/small-businesses/learn-more/hra-guide/">Compare your options for offering HRAs or group coverage</a></div></div></div></div></div><a class="index-module--nav-link--9fcad" href="/small-businesses/get-answers/">Get Answers</a><form role="search" method="get" action="/search/" class="index-module--search-form--93f38"><input id="input-main-nav-search-desktop" aria-labelledby="input-main-nav-search-desktop-btn" title="Enter text to search" name="q" class="index-module--search-form-input--77e9d ds-c-field" aria-label="Site Search"/><button id="input-main-nav-search-desktop-btn" type="submit" class="ds-c-button ds-c-button--solid index-module--search-form-submit--5f34f">Search</button></form></nav></div></header></div><main id="main" tabindex="-1" class="SiteLayout-module--main--120ae ds-content ds-l-container"><div class="ds-l-row index-module--title-row--8eed8 learn-explainer-title"><div class="ds-l-sm-col--8"><h1 class="ds-text-heading--4xl">How to enroll in SHOP insurance</h1></div><div class="ds-l-sm-col--4 ds-u-text-align--right index-module--email-rss--0a5d1 learn-explainer-email-rss"><div class="index-module--container--e05a6 ds-text-heading--md"><a class="index-module--email--b438f" href="mailto:?subject=Overview%20of%20SHOP%3A%20Health%20insurance%20for%20small%20businesses&body=https%3A%2F%2Fwww.healthcare.gov%2Fsmall-businesses%2Fchoose-and-enroll%2Fshop-marketplace-overview%2F"><svg aria-hidden="true" focusable="false" data-prefix="fas" data-icon="envelope" class="svg-inline--fa fa-envelope " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512" prefix="fas"><path fill="currentColor" d="M48 64C21.5 64 0 85.5 0 112c0 15.1 7.1 29.3 19.2 38.4L236.8 313.6c11.4 8.5 27 8.5 38.4 0L492.8 150.4c12.1-9.1 19.2-23.3 19.2-38.4c0-26.5-21.5-48-48-48H48zM0 176V384c0 35.3 28.7 64 64 64H448c35.3 0 64-28.7 64-64V176L294.4 339.2c-22.8 17.1-54 17.1-76.8 0L0 176z"></path></svg><span class="ds-u-visibility--screen-reader">Email this page</span><span aria-hidden="true">Email</span></a><button type="button" class="ds-c-button 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class="ExplainerNav-module--desktop--bc720"><h2 class="ds-text-heading--xl">More info</h2><ul role="list"><li role="listitem"><a aria-current="page" class="ExplainerNav-module--nav-item--d5aac ExplainerNav-module--nav-item-active--185e5" href="/small-businesses/choose-and-enroll/shop-marketplace-overview/">Overview of SHOP: Health insurance for small businesses</a></li><li role="listitem"><a class="ExplainerNav-module--nav-item--d5aac " href="/small-businesses/choose-and-enroll/enroll-in-shop/">How to offer SHOP health insurance to your employees</a></li><li role="listitem"><a class="ExplainerNav-module--nav-item--d5aac " href="/small-businesses/choose-and-enroll/using-insurance-agents-and-brokers/">How to work with a SHOP-registered insurance agent or broker</a></li><li role="listitem"><a class="ExplainerNav-module--nav-item--d5aac " href="/small-businesses/choose-and-enroll/qualify-for-shop-marketplace/">Find out if your small business qualifies for SHOP</a></li><li role="listitem"><a class="ExplainerNav-module--nav-item--d5aac " href="/small-businesses/choose-and-enroll/tools-and-calculators/">Tools and calculators to help you apply</a></li><li role="listitem"><a class="ExplainerNav-module--nav-item--d5aac " href="/small-businesses/choose-and-enroll/resources/">SHOP how-to guides, fact sheets, tools, and other resources for employers</a></li><li role="listitem"><a class="ExplainerNav-module--nav-item--d5aac " href="/small-businesses/choose-and-enroll/appeal-a-shop-decision/">How to appeal a SHOP decision</a></li><li role="listitem"><a class="ExplainerNav-module--nav-item--d5aac " href="/small-businesses/choose-and-enroll/filing-a-shop-employee-complaint/">What to do if you can’t enroll in SHOP coverage due to a qualifying life event</a></li></ul></div><div class="ExplainerNav-module--mobile--90a8e"><button class="ds-text-heading--xl" aria-expanded="false">More info<svg aria-hidden="true" focusable="false" data-prefix="far" data-icon="circle-chevron-down" class="svg-inline--fa fa-circle-chevron-down " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512" prefix="far"><path fill="currentColor" d="M256 464a208 208 0 1 1 0-416 208 208 0 1 1 0 416zM256 0a256 256 0 1 0 0 512A256 256 0 1 0 256 0zM135 241L239 345c9.4 9.4 24.6 9.4 33.9 0L377 241c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0l-87 87-87-87c-9.4-9.4-24.6-9.4-33.9 0s-9.4 24.6 0 33.9z"></path></svg></button></div></nav></div><div class="ds-l-sm-col--1"></div><div class="ds-l-sm-col--8 index-module--content--6c4f4 learn-explainer-content"><h2 class="ds-text-heading--3xl ds-u-margin-top--4 ds-u-margin-bottom--2 index-module--content-heading--bc675">Overview of SHOP: Health insurance for small businesses</h2><div class="learnParagraph-module--paragraph--4a23b ">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.</div><ul><li>To purchase SHOP insurance, your business or non-profit organization generally must have 1 to 50 employees. <a href="/small-businesses/choose-and-enroll/qualify-for-shop-marketplace/">See if your business qualifies for SHOP</a>.</li><li>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.</li></ul><div class="ds-c-alert ds-c-alert--hide-icon" role="region" aria-labelledby="box-content--5ed63f9b0__a11y-label" id="box-content--5ed63f9b0"><div class="ds-c-alert__body"><span class="ds-c-alert__a11y-label ds-u-visibility--screen-reader" id="box-content--5ed63f9b0__a11y-label">Notice: </span><div class="learnParagraph-module--paragraph--4a23b "><strong>Self-employed or a business owner with no employees?</strong></div><div class="learnParagraph-module--paragraph--4a23b "><a href="/small-businesses/learn-more/self-employed/">Learn more about your coverage options.</a></div></div></div><h2>4 reasons to offer SHOP coverage</h2><ol><li><strong>SHOP insurance gives you choice and flexibility.</strong> You can:<ul><li>Offer your employees one plan, or let them choose from multiple</li><li>Offer only health coverage, only dental coverage, or both</li><li>Choose how much you pay toward your employees' premiums and whether to offer coverage to their dependents</li><li>Decide how long new employees must wait before enrolling</li></ul></li><li><strong>Get the information you need in one location.</strong> You can make an informed decision about your SHOP insurance options with the tools at HealthCare.gov:<ul><li><a href="/see-plans/#/small-business">Compare plans and prices</a></li><li><a rel="external" target="_blank" href="https://surveys.cms.gov/jfe/form/SV_23t9zWPVfCvwSA6">Find out if you qualify for SHOP</a></li></ul></li><li><strong>You can work with an agent or broker.</strong> You can use your current SHOP-registered agent or broker or find a new one to help you enroll in coverage.<ul><li><a href="https://localhelp.healthcare.gov/">Find an agent or broker in your area</a></li></ul></li><li><strong>You may be able to get the Small Business Health Care Tax Credit.</strong> 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 $56,000 or less.<ul><li><a href="/shop-calculators-taxcredit/">See how much your business could save</a></li><li><a rel="external" target="_blank" href="https://www.irs.gov/newsroom/irs-provides-certain-small-employers-with-relief-for-the-small-business-health-care-tax-credit-for-2017-and-later-years">See the updated IRS guidance for small businesses in areas with no available SHOP plans</a></li></ul></li></ol><h2>Enrolling in SHOP insurance</h2><div class="learnParagraph-module--paragraph--4a23b ">Once you're ready to enroll in SHOP coverage, you have 2 options:</div><ul><li>Contact your insurance company and enroll directly through them.</li><li>Enroll with the assistance of a SHOP-registered agent or broker.</li></ul><div class="learnParagraph-module--paragraph--4a23b "><a href="/small-businesses/choose-and-enroll/enroll-in-shop/">Find out more about enrolling in SHOP insurance</a>.</div><h2>Questions?</h2><ul><li><a href="/small-businesses/choose-and-enroll/resources/">See all SHOP tools, calculators, fact sheets, how-to guides, videos, and other resources for employers</a>.</li><li>Contact the SHOP Call Center at 1-800-706-7893 (TTY: 1-888-201-6445).</li></ul><h2>More answers: Overview of SHOP: Health insurance for small businesses</h2><div id=""><div class="ds-c-accordion ds-c-accordion--bordered"><h2 class="ds-c-accordion__heading"><button class="ds-c-accordion__button ds-u-font-size--base ds-u-text-align--left" aria-expanded="false" aria-controls="accordion-item--ca859cb10" id="accordion-item--ca859cb10__button" type="button">Do I have to provide insurance to my employees?<svg aria-hidden="true" class="ds-c-icon ds-c-icon--plus-circle ds-c-accordion__button-icon" id="accordion-item--ca859cb10__icon" viewBox="0 0 20 20" xmlns="http://www.w3.org/2000/svg"><g stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"><g transform="translate(-47.000000, -360.000000)"><g transform="translate(49.000000, 362.000000)"><circle class="ds-c-icon--plus-circle__circle" stroke="currentColor" stroke-width="2" fill="#FFFFFF" cx="8" cy="8" r="9"></circle><g class="ds-c-icon--plus-circle__group" transform="translate(2.823529, 2.823529)" fill="currentColor"><rect x="4.4" y="0" width="1.55294118" height="10.3529412" rx="0.776470588"></rect><path d="M5.17647059,-4.70734562e-14 C5.60530345,-4.71522316e-14 5.95294118,0.347637724 5.95294118,0.776470588 L5.95294118,9.57647059 C5.95294118,10.0053035 5.60530345,10.3529412 5.17647059,10.3529412 C4.74763772,10.3529412 4.4,10.0053035 4.4,9.57647059 L4.4,4.53287291 L4.4,0.776470588 C4.4,0.347637724 4.74763772,-4.69946809e-14 5.17647059,-4.70734562e-14 Z" transform="translate(5.176471, 5.176471) rotate(-270.000000) translate(-5.176471, -5.176471) "></path></g></g></g></g></svg></button></h2><div class="ds-c-accordion__content" id="accordion-item--ca859cb10" hidden=""><div class="learnParagraph-module--paragraph--4a23b ">If you have 1 to 50 full-time equivalent (FTE) employees, you're not required to provide insurance to your employees. You can choose to offer insurance through SHOP or any other source. But you don't have to, and there's no penalty if you don't.</div><div class="learnParagraph-module--paragraph--4a23b ">If you have 50 or more employees, learn about the <a href="/small-businesses/learn-more/how-aca-affects-businesses#esrp">Employer Shared Responsibility Payment</a>.</div></div></div></div><div id=""><div class="ds-c-accordion ds-c-accordion--bordered"><h2 class="ds-c-accordion__heading"><button class="ds-c-accordion__button ds-u-font-size--base ds-u-text-align--left" aria-expanded="false" aria-controls="accordion-item--59252a840" id="accordion-item--59252a840__button" type="button">Can I enroll in the same SHOP coverage that I offer my employees?<svg aria-hidden="true" class="ds-c-icon ds-c-icon--plus-circle ds-c-accordion__button-icon" id="accordion-item--59252a840__icon" viewBox="0 0 20 20" xmlns="http://www.w3.org/2000/svg"><g stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"><g transform="translate(-47.000000, -360.000000)"><g transform="translate(49.000000, 362.000000)"><circle class="ds-c-icon--plus-circle__circle" stroke="currentColor" stroke-width="2" fill="#FFFFFF" cx="8" cy="8" r="9"></circle><g class="ds-c-icon--plus-circle__group" transform="translate(2.823529, 2.823529)" fill="currentColor"><rect x="4.4" y="0" width="1.55294118" height="10.3529412" rx="0.776470588"></rect><path d="M5.17647059,-4.70734562e-14 C5.60530345,-4.71522316e-14 5.95294118,0.347637724 5.95294118,0.776470588 L5.95294118,9.57647059 C5.95294118,10.0053035 5.60530345,10.3529412 5.17647059,10.3529412 C4.74763772,10.3529412 4.4,10.0053035 4.4,9.57647059 L4.4,4.53287291 L4.4,0.776470588 C4.4,0.347637724 4.74763772,-4.69946809e-14 5.17647059,-4.70734562e-14 Z" transform="translate(5.176471, 5.176471) rotate(-270.000000) translate(-5.176471, -5.176471) "></path></g></g></g></g></svg></button></h2><div class="ds-c-accordion__content" id="accordion-item--59252a840" hidden=""><div class="learnParagraph-module--paragraph--4a23b ">Yes, as long as at least one of your employees (who isn't a business owner, partner or family member) also enrolls in your coverage.</div></div></div></div><div id=""><div class="ds-c-accordion ds-c-accordion--bordered"><h2 class="ds-c-accordion__heading"><button class="ds-c-accordion__button ds-u-font-size--base ds-u-text-align--left" aria-expanded="false" aria-controls="accordion-item--20934a950" id="accordion-item--20934a950__button" type="button">If my only employee is my spouse or a family member, can I use SHOP to cover us both?<svg aria-hidden="true" class="ds-c-icon ds-c-icon--plus-circle ds-c-accordion__button-icon" id="accordion-item--20934a950__icon" viewBox="0 0 20 20" xmlns="http://www.w3.org/2000/svg"><g stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"><g transform="translate(-47.000000, -360.000000)"><g transform="translate(49.000000, 362.000000)"><circle class="ds-c-icon--plus-circle__circle" stroke="currentColor" stroke-width="2" fill="#FFFFFF" cx="8" cy="8" r="9"></circle><g class="ds-c-icon--plus-circle__group" transform="translate(2.823529, 2.823529)" fill="currentColor"><rect x="4.4" y="0" width="1.55294118" height="10.3529412" rx="0.776470588"></rect><path d="M5.17647059,-4.70734562e-14 C5.60530345,-4.71522316e-14 5.95294118,0.347637724 5.95294118,0.776470588 L5.95294118,9.57647059 C5.95294118,10.0053035 5.60530345,10.3529412 5.17647059,10.3529412 C4.74763772,10.3529412 4.4,10.0053035 4.4,9.57647059 L4.4,4.53287291 L4.4,0.776470588 C4.4,0.347637724 4.74763772,-4.69946809e-14 5.17647059,-4.70734562e-14 Z" transform="translate(5.176471, 5.176471) rotate(-270.000000) translate(-5.176471, -5.176471) "></path></g></g></g></g></svg></button></h2><div class="ds-c-accordion__content" id="accordion-item--20934a950" hidden=""><div class="learnParagraph-module--paragraph--4a23b ">Generally, no. Spouses and family members don't count when determining if your business is eligible to use SHOP. To be eligible, you must have 1 to 50 full-time equivalent (FTE) employees who aren’t business owners, partners, or family members.</div></div></div></div><div id=""><div class="ds-c-accordion ds-c-accordion--bordered"><h2 class="ds-c-accordion__heading"><button class="ds-c-accordion__button ds-u-font-size--base ds-u-text-align--left" aria-expanded="false" aria-controls="accordion-item--2e34446d0" id="accordion-item--2e34446d0__button" type="button">Can my employees enroll in SHOP coverage after the initial enrollment period?<svg aria-hidden="true" class="ds-c-icon ds-c-icon--plus-circle ds-c-accordion__button-icon" id="accordion-item--2e34446d0__icon" viewBox="0 0 20 20" xmlns="http://www.w3.org/2000/svg"><g stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"><g transform="translate(-47.000000, -360.000000)"><g transform="translate(49.000000, 362.000000)"><circle class="ds-c-icon--plus-circle__circle" stroke="currentColor" stroke-width="2" fill="#FFFFFF" cx="8" cy="8" r="9"></circle><g class="ds-c-icon--plus-circle__group" transform="translate(2.823529, 2.823529)" fill="currentColor"><rect x="4.4" y="0" width="1.55294118" height="10.3529412" rx="0.776470588"></rect><path d="M5.17647059,-4.70734562e-14 C5.60530345,-4.71522316e-14 5.95294118,0.347637724 5.95294118,0.776470588 L5.95294118,9.57647059 C5.95294118,10.0053035 5.60530345,10.3529412 5.17647059,10.3529412 C4.74763772,10.3529412 4.4,10.0053035 4.4,9.57647059 L4.4,4.53287291 L4.4,0.776470588 C4.4,0.347637724 4.74763772,-4.69946809e-14 5.17647059,-4.70734562e-14 Z" transform="translate(5.176471, 5.176471) rotate(-270.000000) translate(-5.176471, -5.176471) "></path></g></g></g></g></svg></button></h2><div class="ds-c-accordion__content" id="accordion-item--2e34446d0" hidden=""><div class="learnParagraph-module--paragraph--4a23b ">Yes, but only if they qualify for a <div class="ds-c-tooltip__container"><button type="button" aria-describedby="glossary-tooltip--c08f0a0f0" class="ds-c-tooltip__trigger glossaryTooltip-module--glossary-tooltip--31ba2 ds-c-tooltip__trigger-link">Special Enrollment Period</button><div id="glossary-tooltip--c08f0a0f0" class="ds-c-tooltip" style="max-width:300px;z-index:1000001" data-placement="top" aria-hidden="true" role="tooltip"><span class="ds-c-tooltip__arrow" data-popper-arrow="true"></span><div class="ds-c-tooltip__content"><p class="glossaryTooltip-module--tooltip-title--0068b ds-text-body--sm">A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount.</p><p class="ds-u-margin-bottom--0 ds-text-body--sm">Refer to glossary for more details.</p></div><span class="ds-c-tooltip__interactive-border" style="left:-15px;top:-15px;border:15px solid transparent;z-index:-999"></span></div></div> due to a life change, like having a baby, adopting a child, or getting married.</div><div class="learnParagraph-module--paragraph--4a23b ">For new employees hired after your initial SHOP enrollment period, you can decide on a waiting period before coverage can become effective. 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