Personal health should come first for your employees. Enhancing access to necessary medical resources to promote good health for all of your employees can make you an employee of choice within your area.

Employer sponsored health insurance is a challenging business decision for all small businesses and especially child care businesses struggling with tight margins requiring careful decisions for managing overhead costs.

Many child care businesses are finding that pointing staff to the Marketplace is a smart and cost-effective business decision that can also benefit staff. Individuals may often be able to access a more comprehensive plan at a fraction of the cost than what an employer would be able to sponsor for them.

The Patient Protection and Affordable Care Act or "ACA" for short, is the comprehensive health care reform law that made affordable health care insurance available to more people.

The Health Insurance Marketplace® (also known as the "Marketplace" or "exchange") provides health plan shopping and enrollment services through websites, call centers and in-person help. 

Small businesses employing 1-50 staff can qualify to take advantage of the Small Business Health Options Program plans offered through an insurance company or with the assistance of a SHOP-registered agent or broker. Learn more about the plans, pricing, tax credit info, eligibility and more.

If you are offering a Small Business Health Options Program (SHOP) health insurance plan that you subsidize for your staff, you may qualify for up to 50% of the employer's share of the premium as a tax credit. Explore the details with this SHOP Marketplace Basics for Employers.