HomeAbout CatherineContact CatherineTestimonials
Insurance CarriersLife, Home, Renters, Auto, UmbrellaMotorcycle, RV, Boat/Watercraft, TrailerIndividual, Family Health, Dental, and Supplemental
Health News, Tools, Treatment LocatorHealth FormsBusiness, Commercial, LandlordGroup Health, Dental, and Supplemental
Consent Authorization and Privacy StatementCredit Information StatementBlog/Vlog

Catherine Giles, an Independent Insurance Broker/Agent/Owner
     Schedule today your free 30-minute meeting with Catherine for consultation, policy reviews, recommendations, and quotes; or for enrollment and servicing by: in-person appointment at her home office or your office; virtually via Zoom meeting; or via phone. You may schedule by submitting your contact information in the "Schedule an Appointment" field or by calling Catherine at 940-597-4757 or emailing her at:  [email protected].  














       Catherine can provide you and your business with high quality *Group Health, *Dental, *Life, and *Short-Term Disability, *Long-Term Disability insurance product options and services (*per Industry, Business, and Employee eligibility guidelines and per carrier eligibility guidelines).  In addition, she can provide (*per Industry, Business, and Employee eligibility guidelines and per carrier eligibility guidelines) supplemental and voluntary*Short-Term Disability, *Accident, *Life, *Hospital, *Cancer, *Critical Care, *Dental, and *Vision product options and services which are personalized for your business' and for your employees' unique needs, with options at no direct cost to you or your business, as your employees and independent workers voluntarily fund their Supplemental insurance through payroll deduction or through employee-direct-bill. 















Summary Information Concerning On the Marketplace SHOP Plan

  • Have a primary business address sitused in the state where you're buying coverage

  • Have from 1 to 50 full-time equivalent (FTE) employees:  Any employee who works an average of at least 30 hours per week for more than 120 days in a year, except employees listed below. (Part-time employees work an average of less than 30 hours per week.)

  • Not counted for full-time equivalent (FTE) employees:

  • Owners of a sole proprietorship;
  • Partners;
  • Shareholders owning more than 2% of an S corporation;
  • Owners of more than 5% of other businesses;
  • Family members or members of the household who qualify as dependents on the individual income tax return of a person listed above, including a spouse, child (or descendant of a child), sibling or step-sibling, and parent (or ancestor of a parent), step parent, niece or nephew, aunt or uncle, son-in-law, daughter-in-law, father-in-law, mother-in-law, brother-in-law, or sister-in-law;
  • Seasonal workers working 120 days or less in a year;
  • Independent contractors (Form 1099 workers);
  • COBRA and retired enrollees.

  • Offer SHOP coverage to all full-time W-2 employees


Summary Benefits of SHOP Marketplace Plans

  • All plans offered through the SHOP must provide a set of Essential Health Benefits. They all cover Pre-existing Conditions and Free Preventive Services. Enrollment will be conducted on the insurance carrier's platform, not on the SHOP website

  • You control the coverage you offer and how much you pay toward employee premiums, with a minimum employer contribution of 50% of more, per participating employee, per employee-only coverage

  • You can choose from 4 levels of coverage to find a plan that meets the needs of your business and employees

  • You can start coverage any time. Enroll by the 15th of the month and coverage can begin on the 1st of the following month


Summary of SHOP Marketplace Eligibility

  • In order to use SHOP, you must offer coverage to all of your full-time W-2 employees – those working 30 or more hours per week on average for more than 120 days in a year

  • In many states, at least 75% of your full-time employees working 30 or more hour per week on average must enroll in your SHOP plan















Summary of SHOP Small Business Tax Credit

     Enrolling in a Small Business Health Options Program (SHOP) plan is generally the only way for a small business or non-profit to claim the Small Business Health Care Tax Credit. To qualify for the tax credit, all of the following must apply:


  • You have fewer than 25 full-time equivalent (FTE) employees
  • Your average employee salary is about $56,000 per year or less
  • You pay at least 50% of your full-time employees' premium costs
  • You offer SHOP coverage to all of your full-time employees. (You don't have to offer it to dependents or employees working fewer than 30 hours per week to qualify for the tax credit.)


Summary of Employer Shared Responsibility Fee


  • The Affordable Care Act requires certain employers with at least 50 full-time employees (or equivalents) to offer health insurance coverage to its full-time employees (and their dependents) that meets certain minimum standards set by the Affordable Care Act or to make a tax payment called the ESRP















Summary of Comparing SHOP Health Plans

  • Your SHOP premium estimates are based upon the zip code of your business domicile, or legal address, the number of full-time equivalent (FTE) W-2 employees working 30 or more hours per week, and their ages or composite, or the average rate of all eligible employees, per employee

  • There are 4 categories of plans in the SHOP Marketplace. They offer similar benefits, but differ based on how enrollees and the plan share the costs of care. SHOP plans are by metallic names: Bronze, Silver, Gold, Platinum

  • As with all group health plans, you and your employees pay a monthly premium. You can decide up front exactly how much to contribute towards your employees’ premium costs, so you have control over your company's health coverage spending.  The minimum employer contribution is 50% of more, per participating employee, per employee-only coverage.  You are not responsible for any spouse or dependent premium costs

  • When comparing plans, just as important as the premium cost is how much your employees have to pay out-of-pocket for covered services. The plan with the lowest premium may not provide you or your employees with the best overall value

  • Premiums are usually lower for plans that pay a smaller share of medical costs when your employees get care. For example, with a Bronze plan, your employees will probably pay a lower monthly premium than they would for a Gold plan. But they'll probably pay more when they go to the doctor. For example, Platinum plans generally have the highest monthly premiums and lowest out-of-pocket costs for services. They will likely provide better financial protection if your employees use a lot of services or have a major health crisis

  • In general, when choosing health coverage for your business, keep this in mind: The lower the premium, the higher the out-of-pocket costs; the higher the premium, the lower the out-of-pocket costs  












Summary Information Concerning Group Plans off the Marketplace

  • Group Health insurance plans off the Marketplace are, generally, not eligible for Small Business Tax Credits, but may be, if no SHOP plans are offered in your area and if your business meets certain guidelines.  The IRS can give more guidance on tax credits at www.irs.gov

  • Plans still offer Essential Health Benefits, cover Pre-existing Conditions, and Free Preventive Services. Many Group Health plans may also offer Group Dental, Life, and Disability, based on industry and employee eligibility guidelines and carrier. For a free consultation with recommendations and quotes, please contact Catherine













Summary Information Concerning Supplemental Insurance off the Marketplace

  • In addition, Catherine can offer your full-time, part-time, and seasonal employees and independent workers Supplemental and Voluntary *Short-Term Disability (*per Industry, Business, and Employee eligibility guidelines and carrier eligibility guidelines), *Accident, *Life, *Hospital, *Cancer, *Critical Care, *Dental, and *Vision insurance options at no direct cost to you or your business, as your employees and independent workers fund their Supplemental and Voluntary insurance through payroll deduction or through eligible employee-direct-bill.  Please contact Catherine to schedule a free consultation for more information

     Schedule today your free 30-minute meeting with Catherine for consultation, policy reviews, recommendations, and quotes; or for enrollment and servicing by: in-person appointment at her home office or your office; virtually via Zoom meeting; or via phone. You may schedule by submitting your contact information in the "Schedule an Appointment" field or by calling Catherine at 940-597-4757 or emailing her at:  [email protected].


Group Health, Dental, Life, and *Short-Term Disability Insurance and Services,
Supplemental *Short-Term Disability, Accident, Life, Hospital, Cancer, Critical Care, Dental, and Vision Insurance and Services
*Disability Insurance Option, per Industry and Employee Eligibility Guidelines and Carrier
Supplemental Insurance Options to Enhance Your Employee Benefits Program: