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Employers
The Small Business Marketplace helps employers offer high quality, affordable health insurance coverage to employees directly from NY State of Health certified Insurers. The Small Business Marketplace is the only place where employers can take advantage of the Small Business Health Care Tax Credit. More information is available on the IRS website.
Returning Users
Welcome back! You can login with your NYS GOV ID.
New Users
Just provide an email address and some information about yourself to get started in the Marketplace!
Compare Plans & Estimate Costs
Use this tool to compare the Bronze, Silver, Gold, and Platinum plans offered in your area.
You can also get an estimation of your tax credit and your total insurance premium amount. Enter your ZIP code to get started!
1
Create an employer account
Once you provide an email address and some information about yourself, you'll get an email invitation to the Marketplace site and you can get started!
2
Tell us about your company
After logging in with your new account, you will be asked to enter basic company information in order to receive a Small Business (SHOP) eligibility determination.
3
Get help choosing insurance
Browse and select the SHOP certified health plan(s) you are interested in. To enroll, contact the insurer directly or work with a certified Broker or Navigator.
1
Create an employer account
Once you provide an email address and some information about yourself, you'll get an email invitation to the Marketplace site and you can get started!
2
Tell us about your company
After logging in with your new account, you will be asked to enter basic company information in order to receive a Small Business (SHOP) eligibility determination.
3
Get help choosing insurance
Browse and select the SHOP certified health plan(s) you are interested in. To enroll, contact the insurer directly or work with a certified Broker or Navigator.
To be eligible for the Small Business Marketplace (SHOP), your business or non-profit organization must:
- Have a physical business location in New York State
- Have between 1 and 100 FTE (Full-Time Equivalent) employees
- Offer, or intend to offer coverage to all full-time employees
If you are a small business employer, the Small Business Health Care Tax Credit can put money in your pocket. The tax credit benefits employers who:
- Pay average wages of less than $62,000 a year for the 2023 tax year per FTE employee
- Pay at least 50% towards your employee's available lowest cost individual medical coverage
- Offer coverage to all full-time employees working at least 30 hours per week
- Enroll in SHOP-certified plan(s)
To be eligible for the a small business tax credit of up to 50% premium reimbursement (35% for non-profits), your business or non-profit organization must:
- Have fewer than 25 Full Time Equivalent (FTE) employees
- Provide an offer of health insurance to all full-time employees working at least 30 hours a week
- Contribute at least 50% towards employee’s available lowest cost individual medical coverage
- Pay an average annual wage of less than $62,000 a year for the 2024 tax year
Also employers must obtain a favorable eligibility determination from NY State of Health Small Business Marketplace (SHOP) and purchase SHOP-certified plans directly through participating insurers.
More questions and answers regarding the Small Business Health Care Tax Credit are available from the IRS.
Enrolling in a SHOP certified health plan is the only way for an eligible New York small business or non-profit to claim the Small Business Health Care Tax Credit.
The Small Business Marketplace is an online portal where you can view and compare a variety of SHOP certified health plan options in your area.
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NY State of Health Offers Broad Choices of Affordable, Comprehensive Health and Dental Insurance Plans for 2024
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