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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

SHOP Exchange and Employee Choice

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Question: First, please define the “shop exchange” and what does “employee choice model” mean?

Answer: SHOP stands for Small Group Option Program. It’s an separate exchange for small businesses with fewer than 50 employees. The employee choice model allows each employee of a participating small business employer to select any carrier and any product offered by the SHOP Exchange. This is an essential component that will differentiate the SHOP from the outside market and provide an incentive for businesses to purchase coverage through the SHOP Exchange. Employees will have the freedom to select the carrier and plan that is right for them, a benefit that employees of many large businesses and government agencies are already offered.

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