The Affordable Care Act created an enrollment platform called SHOP (Small Business Health Options Program), an exchange where businesses could compare health insurance plans and enroll in coverage for their employees. Originally, the SHOP exchange was an option in every state, but in the 36 states that use HealthCare.gov, the availability of small-business plans in the exchange changed in 2018. And even among the states that run their own exchanges, some are no longer offering SHOP coverage due to lack of insurer participation.