Health Insurance Exchange

Small Business Health Options Program (SHOP)

Find a SHOP certified marketplace agent at

Finding the right health coverage for you and your employees is more than simply a mouse click on a website. Only licensed health insurance agents and brokers can help you select the right SHOP coverage to fit your needs.

Employer Compliance

Employee Benefits Professionals

Employee benefits professionals are more than simply experts in health insurance coverage. They must also be experts on a multitude state and federal laws and regulations affecting employer-sponsored coverage including ACA-Employer Shared Responsibility Reguirements, ERISA, COBRA, and IRS Section 125. Non-compliance can mean fines and penalties not only for employers, but employees too. You can find a local employee benefits professional at: or Find an Agent on

Small Business Health Care Tax Credit

While some small businesses may be able to take advantage of small business health insurance tax credits to help pay for SHOP coverage for their employees, most other business may find that due to significant rules and restrictions, choosing coverage through the SHOP may not be the best way to offer coverage to their employees.

Private Insurance Market

Private Health Insurance Marketplace

Health coverage for the rest of us

Many individuals and small business may find that the health insurance exchange marketplace is not an option. In that case professional health insurance agents and brokers can help individuals and employers find the right health coverage to meet their specific needs.

Voluntary Benefits

Beyond just health coverage

Voluntary benefits are insurance products that employees may choose to purchase through their companies at rates that are lower than they could get on their own. A few examples of voluntary benefits are dental, vision, life, disability, and critical illness insurance. Many employers offer voluntary benefits because they allow companies to provide a more robust benefits package at no cost to the business. Professional agents and brokers can help businesses select the right coverage for them and their employees.

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Long Term Care Insurance

Beyond just health coverage

With employer-offered long-term care insurance (LTCi) there are important factors consumers need to evaluate. By doing careful comparison shopping, employers might find that they are able to get equal or even better coverage for their employees for less money. Professional insurance agents and brokers can help a business select the best coverage options for their employees.

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