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Fact Sheet
Affordable Care Act, Learn

I am a small business owner. Do I have to provide coverage?

If you have less than 50 full-time equivalent employees, you are not required to provide health insurance coverage for employees. Beginning in 2015, only businesses with 50 or more full-time equivalent employees will be required to provide coverage.

Is there help for small business owners who want to provide coverage?

Yes. Every state has a Small Business Health Options Program (SHOP) Marketplace where employers with less than 50 full-time equivalent
employees can shop for health plans for their employees. Additionally, since 2010, small businesses that employ up to 25 full-time or full-time
equivalent employees and fall within acceptable average annual wage limits are eligible to receive a tax credit for contributing to their employees’ health coverage. Go to: https://www.healthcare.gov/what-is-the-shopmarketplace/ for more information.