Providing Insurance

Several provisions of the Affordable Care Act provide new coverage options for small and large employers, and individuals who are self-employed.

Small Employers

A small employer is an employer that employs 50 or fewer employees. Small employers are eligible to purchase health insurance through the Small Business Health Options Program (SHOP). For more information, click here.

Note:  Small employers with fewer than 50 employees are not required to offer health insurance to their full-time employees.

Large Employers

A large employer is an employer that employs 50 or more full-time or full-time equivalent employees. Tribes and all tribal employers are subject to the employer shared responsibility mandate in 2015 and must offer their full-time employees (and their dependents) the opportunity to enroll in health insurance coverage that is affordable and that provides minimum value to avoid a shared responsibility payment in 2016 (for the 2015 tax year).

Tribes, tribal employers and urban Indian organizations may be eligible to purchase insurance for their employees through the Office of Personnel Management’s  Federal Employee Health Benefits Program. For more information, click here.

A webinar on the Federal Employee Health Benefits Program is available here.

Self-Employed Individuals

American Indians and Alaska Natives who are self-employed may be eligible to purchase coverage in the Marketplace in their state.

In most states, a self-employed individual is not eligible to purchase insurance through the Small Business Health Options Program unless they employ at least one employee (not including the self-employed individual).