The U.S. Department of Health and Human Services has released a list of states with a federally-facilitated SHOP (Small Business Health Options Program) which will not be implementing the “employer choice” feature in 2015. “Employer choice” provides employers the option to offer employees a choice of any qualified health plan at a single metal level.
A previously issued final rule provided state insurance commissioners the opportunity to recommend that, only for plan years beginning in 2015, a SHOP not provide this required “employer choice” feature if not implementing it would be in the best interest of small employers and their employees and dependents.
In total, 18 states with a federally-facilitated SHOP will not implement “employer choice” in 2015. Those states are: Alabama, Alaska, Arizona, Delaware, Illinois, Kansas, Louisiana, Maine, Michigan, Montana, New Hampshire, New Jersey, North Carolina, Oklahoma, Pennsylvania, South Carolina, South Dakota, and West Virginia. The remaining 14 states with a federally-facilitated SHOP will join most state-based SHOPs and have employer choice available to small businesses in 2015.
To find out more about the SHOP Marketplace in your state, click here.