Affordable Care Act

Affordable Care Act for Business Owners

Do I have to offer health insurance to my employees? 

If you have 50 or fewer full-time equivalent(FTE) employees you are not required by law to provide your employees with health insurance. If you choose to do so you can purchase the plan through SHOP or any other source. If you don't offer insurance, you will not face a penalty. 

If you are considered a large employer you will have to make an Employer Shared Responsibility Payment. 


Need more help?

What is the SHOP phone number?

  • Call the SHOP Small Employer Call Center at 1-800-706-7893 (TTY: 711). Monday through Friday, 9 a.m. to 7 p.m. ET. Agents and brokers helping small businesses can use this phone number too.

For Employers

Offer Health Insurance to your Employees Now

If you have 50 or fewer employees you can enroll through SHOP now. 

If you have more than 50 employees you are considered a large employer and should visit this site to learn more

If you are self-employed you are not eligible for coverage and can enroll in the Marketplace for Individuals.