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A public service note:

We have designed a system platform to uphold standards that ensure privacy of information, ease of use, and a seamless data exchange built with advanced security measures in accordance with the following:  The Centers for Medicare and Medicaid Services and the Health Insurance Portability and Accountability Act of 1996 (HIPAA; Pub.L. 104-191, 110 Stat. 1936)  

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immigration status and the marketplace

The following status types may qualify and use the healthcare marketplace:

Immigration Status and The Marketplace
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Coverage for Lawfully Present Immigrants
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Healthcare Coverage For Immigrants
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More Information For Immigrant Families
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Coverage for U.S. Citizens & U.S. Nationals
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Document Type Needed Before Applying
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                Important Note:  ​Information about immigration status will be used only to determine eligibility for coverage and not for immigration enforcement.

small business health options program

Benefits that can help a business grow: 
​Attract and retain talent by offering expanded coverage options

  • Plan Quality:  All plans available on the SHOP marketplace have been certified by the Centers for Medicare and Medicaid Services for small businesses and businesses can be assured that plans offered to employees will include essential health benefits:
  • Hospitalization
  • Emergency Care
  • Pediatric Care
  • Preventive and Wellness Services
  • Prescription Drugs
  • Flexibility:  Employers who enroll in the SHOP marketplace plans will be able to contribute monetarily to an employee's premium in one of the two ways.  No employer contribution is required to participate in the SHOP, but it is necessary in order to qualify for tax credits.
  • Fixed Percent Contribution:  An employer pays a set percentage of an employee's health insurance premiums.  Employers will be able to set separate percentages for employee's and dependents.
  • Fixed Dollar Contribution:  An employer will set a fixed dollar amount for how much the employer will pay toward the employee's premium.
  • Simplicity:  Employers who enroll in the SHOP marketplace will have the benefit of simple administration in offering health plans to their employees, and while participating in the SHOP marketplace, employers will be able to:
  • Set parameters such as when and how long their employee's open enrollment period will last - in any month and during the year.
  • Set the waiting period before new employees can enroll (up to 90 days).
  • Use online tools to add and drop employees and dependents.
  • Generate a single monthly bill for all employees premiums, regardless of how many insurance companies in which an employee enrolled.
  • ​Small Business Health Care Tax Credit:  is a cost subsidy that helps a business owner financially pay for their employee's health insurance.  This assistance is applicable to the plans selected and purchased via Polished Sculpture, LLC and as an official SHOP representative, we will consult with the business owner or the POC on how to select and designate a SHOP "Administrator" for an organization, i.e. (TPA) Third Party Administrator, Human Resource Director, Human Resource Manager or an internal benefits coordinator.  Tax credits may be claimed up to two consecutive years.
  • ​If the small business qualifies, up to 50 percent of all contributions to employees premiums (or 35 percent if a tax-exempt small employer) may be covered by tax credit.

tools to help an employer with health insurance

The SHOP FTE Calculator
  • Helps if an employer has a mixture of full-time and part-time employees that equals less than 100 full-time employees (FTEs).  Only businesses with 50 or fewer FTEs can use the SHOP marketplace.
  • Provides assistance in organizing information for the applicable tax year.
  • Compiles a list of all employees, both full-time (those who work more than 30 or more hours a week) and part-time (working fewer than 30 hours per week).
  • Calculates the number of hours per week by each part-time employee.​​
For More Details
The Small Business Tax Credit Estimator
Helps to determine if a business qualifies for tax credits and if so, approximately how much.
​"Helpful Tip" - Have this information available for the applicable tax year:
  • Number of employees who work 40 hours or more per week​
  • Number of hours for all part-time employees who worked at least 120 days per year.
  • Total wages paid (the amount subject to Social Security and Medicare tax)
  • Total amount of health insurance premiums paid for employees​
For More Details
Minimum Participation Rate (MPR) Calculator
Helps predict the MPR enrollment level for the SHOP Marketplace (at least 75% of employees must accept the insurance being offered)
​"Helpful Tip" - Have this information available for the applicable tax year:
  • ​State where the main business office is located.
  • Number of employees accepting coverage
  • Number of employees not accepting coverage  and who do not have alternative coverage.
  • Number of employees not accepting coverage but have obtained other insurance coverage.​
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how do I claim the tax credit?

        Once eligibility has been determined for a tax credit, consult a tax professional or contact the IRS for guidance on following the necessary steps to file a claim.
  • Check with a tax professional even if taxes are not owed during the year, tax credits may be carried back or forward to another tax year
  • A tax exempt employer may be eligible for a refundable tax credit
  • Eligible employers can claim a business expense deduction for the remainder of their premium contributions
  • It is also advised to check to see if a state has additional health care tax credits available for small employers
  • Use the IRS form 8941 for small employer health insurance premiums and to calculate business credit​         
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questions

For more information about the Small Business Health Care Tax Credit from the IRS website:
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To see all SHOP Marketplace tools, calculators, fact sheets, how-to-guides, videos, and other resources for employer: 
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