Business Owners

You can enroll your business to provide coverage for your employees at any time.

The new health care law

What is SHOP?
An online Health Insurance Marketplace for Delaware small businesses and their employees.
Who is eligible for SHOP?
Small businesses with 50 or fewer Full-Time Equivalent Employees (FTE)s.
Who is eligible for the Small Business Health Care Tax Credit?
A qualified employer must have fewer than 25 FTE employees. The average employee salary must be about $50,000 per year or less. The employer must pay at least half of the health insurance premiums. Insurance coverage must be purchased through the SHOP Marketplace.
How do businesses enroll?
Through SHOP’s online enrollment portal on .
Are business owners required to offer health coverage to employees this year?
In 2015, businesses with 100 or more FTE employees are required to provide health insurance coverage. In 2016, businesses with 50 or more FTE employees are required to provide health insurance coverage. Businesses with fewer than 50 full-time employees are not required to provide health care coverage in any year.
When can businesses purchase health coverage?
Small-business employers and their employees can enroll in a SHOP-qualified health plan (QHP) anytime throughout the year. Employers who enroll by the 15th of any month will have coverage beginning on the 1st of the following month.

If you prefer to work with an agent or broker, you may do so.

Be sure to ask if the agent is certified to discuss Marketplace programs or .

ZIP Name Phone #
19701 Markie Mitchell
19701 Paul Snipes
19702 Diane Foster
19702 Carissa Moriello
19702 Carlene Whitsel
19702 Frederick Mcminds
19702 Guy Lombardo
19702 Joseph Ritter
19702 Lamont Lewis
19702 Mary Castiglione
19702 Mercedes Banfill
19702 Nicholas Moriello
19702 Stacy Mullin
19702 Walter Bishop
19703 Mohamed Konneh
19703 Susan Flick-Narmore
19707 Ashley Buczik
19707 Diana Lee
19707 John Koziol
19707 Kathleen Hartenstine
19707 Lynne Gunter
19707 William Hutchins
19709 Darlene Wynne
19709 Ferdinand Kouemeni
19709 Henry Chinski
19709 Howard Inman
19711 Andre Hoeschel
19711 Anna Wood
19711 Charles Barba
19711 James Haubrich
19711 Nancy Short
19711 Nicholas Delia
19711 Vickie George
19713 Colleen Latch
19713 Dina Hughes
19713 Kim Sadowski
19713 Michael Fallon
19713 Robert Sonchen
19713 Ryan Dunn
19713 Steve Blewitt
19713 Thomas Cetola
19720 Becky Phillips
19720 Brian Hartle
19720 Melanie Burns
19720 Rebecca Simeone
19720 Robin Morris
19720 Sandra Keele
19801 Allen Insurancegroup
19801 Barbara Oneal
19801 Catherine Oneal-Rispoli
19801 Chanel Jobes
19801 John Allen
19801 Keith Webb
19801 Walter Allen
19802 Richard Miller
19803 Aaron Mitchell
19803 David Baron
19803 George Gioffre
19803 Randal Yoncha
19803 Todd Hudson
19804 Kimberly Amen
19806 Hunter Reed
19806 Kevin Conners
19806 Michael Geary
19806 Scott Yerkes
19806 Vickie Thompson
19807 John Mcdonnell
19807 Marshall Ferguson, Jr.
19808 Adele Taylor
19808 Debra Shears
19808 Louis Memmolo
19808 Michael Reckner
19808 Theresa Vreken
19808 William Marinelli
19809 Barbara Kates
19809 Dennis Drake
19809 Michael Brewer
19809 Patricia Myers
19810 Kamal Nayan
19810 Leexan Hong
19810 Paul Mcghee
19810 Richard Costello
19810 Wayne Whittaker
19899 Evan Evans
19904 Brenda Ensley
19904 John Still
19904 Justin Strickland
19904 William Strickland
19933 Harry D
19934 David Lewis
19938 Cory Thomas
19945 Kaitlin Harper
19947 Ed Stracar
19956 Jill Smith
19956 Mark Rubino
19956 Scott Ward
19958 Clay Monroe
19958 James Vereneault
19963 Andrew Sammons
19963 Angela Dorey
19963 Hope Walls
19966 Kimberly Schmidt
19966 Kimm Nureck
19966 Sherri Eldredge
19966 Stacy Lowe
19966 William Husfelt
19970 Duran Harrispeyton
19971 Brian Mcmahon
19971 Jerry Oneill
19973 Gloria Jane Drace
19975 Donald Mattingly
21921 Michael Saponaro

Tax credit eligibility

  • A qualified employer must have fewer than 25 FTE employees.

  • The employer must pay at least half of the insurance premiums.

  • Insurance coverage must be purchased through the SHOP Marketplace.

If your business meets these requirements, then you are eligible for a tax credit that may equal 50% of your share of the premium. The tax credit is available for two years, and the businesses that will receive the highest credits are those with fewer than 10 FTE employees and average wages less than $25,000.

5 Reasons to participate in the SHOP Marketplace

  1. You’ll retain employees.

    When you give employees the benefits they deserve, they’ll be more satisfied, less likely to quit, and have higher commitment to meeting your company’s goals.

  2. You’ll save on taxes.

    Many small-business owners believe they cannot afford to offer insurance. But with tax credits available to small businesses through the SHOP Marketplace, this may no longer be the case.

  3. You can choose.

    At the SHOP Marketplace, you can compare health insurance plans and choose one that’s right for your employees, your budget, and your business needs.

  4. You’ll boost morale.

    Offering health insurance can enhance your employees’ feeling of belonging, providing them with a greater sense of value. Plus it shows your loyalty to them.

  5. Time lost is money lost.

    The SHOP Marketplace plans offer preventive care that can keep employees healthy and working. If employees don’t get preventive care and yearly physicals, you could see an increase in your health care costs.

How the SHOP Marketplace works

In 2018, the SHOP Marketplace will be open to employers only, allowing an employer to compare options and select one plan for their employees.

The SHOP Marketplace basics

  • For Delaware in 2018, the SHOP Marketplace will serve businesses with 2-50 FTE employees.
  • If you already provide coverage to your employees, you can keep it.
  • Employers can continue to use their brokers to buy insurance through the SHOP Marketplace. Businesses with 100 or more employees will have to offer health care coverage in 2018 or make an employer shared responsibility payment.
  • Businesses with 51-99 FTE employees will not have to worry about offering coverage or facing a potential penalty until 2018.
  • Employees can choose not to accept employer-sponsored coverage and shop for coverage in the individual Health Insurance Marketplace . As long as your coverage includes certain requirements, employers will not be subject to a shared responsibility payment. Important: If the SHOP plan an employer offers meets certain standards of affordability and coverage, an employee won’t quality for premium tax credits or other savings based on income if the employee buys a plan through the individual Health Insurance Marketplace instead.

Are your employees eligible for SHOP?

  • Employees must live in the United States.

  • Employees must be U.S. citizens or nationals (or be lawfully present).

  • Employees can’t be currently incarcerated.

How do employees sign up for SHOP?

Employees in Delaware will use a portal on the website to apply for coverage, compare plans, and enroll.

As an employer, you will find tools on the website to help you:

  • Create an employee roster
  • Set up an employee email distribution list
  • Download the offer of coverage and distribute it to your employees manually