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→SHOP
*As of Nov. 15, small businesses with 50 or fewer "full-time equivalent employees" under the Affordable Care Act's formula can now turn to the Small Business Health Options (SHOP) exchange.
*SHOP is "essentially a federal or state-run supermarket—or marketplace—where businesses can shop for small-business plans" according to Sally Poblete.
*With SHOP, '''small businesses can define the amount of money they wants to contribute to premiums and allow employees to select ''' from the health and dental plans, depending on employees' needs.
*Some businesses qualify for tax credits when they purchase insurance through SHOP.
*Coverage for an individual plan sold through the exchanges can be customized to the individual - they will not necessarily get inferior coverage by switching to SHOP.
*See this [http://www.gao.gov/products/GAO-15-58 (GAO report)] on the reasons for low SHOP enrollment.
====Convert from group to individual plans / HSA to HRA accounts====
*Businesses who offer money to buy individual plans vs covering group plans often fare better
