What are the
“Employer Choice” and “Employee Choice”
models of the SHOP?
Small businesses that purchase coverage through the SHOP will have the
option of choosing between two coverage models for their employees:
- Employer Choice: The employer selects a menu of qualified health plans across metal levels offered by one SHOP-participating insurance carrier, and the employees may choose from among the qualified health plans selected by the employer.
- Employee Choice: The employer selects one metal level of coverage, and the employees may choose any qualified health plan offered by any of the SHOP-participating insurance carriers within that metal level.