Employers shop around for group health coverage just as they would for any other business purchase by asking questions and comparing pricing. Plans can generally be purchased from one of three places:
· Brokers and agents Licensed representatives sell insurance products from a variety of insurance carriers.
· Insurance carriers The companies that issue the policies and underwrite the coverage often sell their insurance directly to businesses.
· Health insurance marketplace or exchange The federal government operates a website where employers can shop for medical plans approved by the ACA. Part of this marketplace is the Small Business Health Options Program, which offers flexible, affordable plans designed for organizations with one to 50 employees. By
purchasing through SHOP, employers may also be eligible for a health care tax credit.