Blue Access for Employers

Mercado de Seguros Médicos en línea

Starting in 2014, individuals — and small employers — are being introduced to a new way of buying health insurance.

Quién

Qué

Para individuos

Health Insurance Marketplace of Oklahoma

Small Employers

Small Business Health Options Program (SHOP)


Small Business Health Options Program (SHOP)

Small employers can buy group health care coverage by selecting a SHOP Marketplace plan on behalf of their employees. Or, pass and keep buying like they do now with a group contract.

Beginning in 2015, you'll have a few options for offering group health plan coverage based on your state.

Small Business Health Care Tax Credit

You may qualify for the Small Business Health Care Tax Credit if all of these apply:

  • You have less than 25 full-time equivalent employees
  • Your employees have average annual wages of less than $50,000
  • You pay the same percentage for all employees and that percentage is equal to at least 50% of the premium cost for employee-only insurance coverage
  • You've bought group health care through the SHOP Marketplace

The tax credit is worth up to 50% of your contribution toward your employees' premium costs (up to 35% for tax exempt employers).

Visite Healthcare.gov  to find out more about Small Business Health Care Tax Credits.

Individuals can apply for
coverage online, over the
phone or by mail.


Metallic Level Plans

Marketplace health plans will fall into one of four metallic levels. You'll find a variety of plans offered across the tiers, all covering essential health benefits (EHBs):

  • SHOP - Each level shows much you'll pay into the total cost of your employee's coverage

  • Marketplace - Each level shows a range for health coverage costs

Level

La cobertura paga

You'll Pay

Costo
Detalles

Bronce

60%

40%

  • Pagos mensuales más bajos

  • Higher out-of-pocket costs when you receive medical care

Plata

70%

30%

  • Pagos mensuales más altos que la cobertura Bronce

  • Lower out-of-pocket costs than a Bronze plan when you receive medical care

Note: Silver plans eligible for cost-sharing assistance
based on income.

Oro

80%

20%

  • El pagos mensual es más alto que con la cobertura Plata

  • Lower out-of-pocket costs than a Silver plan when you receive medical care

Platino

90%

10%

  • Los pagos mensuales son más altos

  • Lowest out-of-pocket costs when you receive medical care

 





Since this is an overview, detailed information on this
topic — and more — is available.