MarketSmall Business Health Options Program
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Small Business Health Options Program

The federal Small Business Health Options Program is an insurance exchange, created by Patient Protection and Affordable Care Act (Obamacare). The Small Business Health Options Program (SHOP) Marketplace helps small businesses to provide health coverage to their employees. Therefore, it is open to employers with 50 or fewer full-time equivalent employees (FTEs), in which it also includes non-profit organizations.

Tax credit
The Small Business Health Care tax credit is available to small employers who pay health insurance premiums on behalf of employees enrolled in a qualified health plan through a SHOP Marketplace. Employers who purchase health insurance through the program may get a tax credit of up to 50% of their premium contributions. The tax credit via Form 8941 is available only to businesses that meet certain standards. Firstly, employers have fewer than 25 employees. Secondly, their employee salary must be less than an average of $50,000. Lastly, the coverage to those full-employment must be offered through SHOP Marketplace. There are employees who are excluded from this arrangement, such as partners or owners of more than 5% of the business and family members. After 2014, small business owners can only claim the credit for two consecutive years in a row. After this they are no longer eligible to claim this credit. Employers should apply to receive this tax credit on the annual business tax return. The tax credit is highest in particularly for small companies with fewer than 10 employees, with an average annual salary of $25,000 or less. ==References==
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