One Year Delay of Online Enrollment for Small Businesses in the Federal Health Insurance Marketplaces

Issued November 27, 2013

The Department of Health and Human Services announced on Wednesday, November 27, that there will be a one year delay until November 2014 for small businesses to be able to purchase health insurance online through the federal Health Insurance Marketplaces.

This is not a delay in the Small Business Health Options Program (SHOP) program itself; however, it means that small businesses who want to sign up for health coverage for their employees through the federal Health Insurance Marketplaces will have to do so through paper applications, an insurance broker or agent, or directly through an insurer, and not through the federal Health Insurance Marketplace website—

Impact of the delay

  • The delay applies only to the 36 states where the federal government is running the Health Insurance Marketplaces. It does not affect the 14 states and the District of Columbia, which are running their own Marketplaces.
  • This will not impact a qualifying small business’ ability to file for the Small Business Tax Credit for either 2013 or 2014.

With frequent major changes to the health care reform law, such as this week’s announcement, you can benefit by partnering with Paychex Insurance Agency to give you the answers, information, and solutions you need to stay ahead of these changes. We are licensed and appointed with the federal and state marketplaces in every state to provide the support you need—from helping you find adequate coverage, to assisting you in complying with the ACA regulations— that allow you to concentrate on the most important thing, your business.