Employer Eligibility Screening Tool

Answer a few questions to see if your company may meet our small-business employer eligibility requirements before submitting documents to the Health Connector to receive an official eligibility determination.

Employee Information

Does this business have at least one employee who will enroll in health coverage who is not an owner of the business, spouse of an owner, or a qualifying dependent of an owner?

Full-time Equivalent Employees

Does your business currently have 1-50 full-time equivalent employees (FTEs)?

The number of full-time eligible employees is the sum of:

  • All full-time employees, defined as an employee who works on average at least 30 hours per week in any month

    AND

  • The total number of hours worked by part-time employees in a month divided by 120.

Mathematical formula representing the calculation for the total number of full-time equivalent employees, comprising the total number of full-time employees plus the total hours worked by part-time employees in a month divided by 120.

When counting your full-time equivalent employees, do not include the following: owners of the business, spouses of owners, tax-dependents of owners, seasonal worker working 120 days or less in a year, independent contractors (Form 1099 workers), COBRA enrollees, and retired enrollees.

While some employee types should not be included in the full-time equivalent employee count, they may still qualify to enroll with the group.

Not sure how to count your full-time equivalent employees? Click here to learn more.

Business Location Information

Does this business

  • Have its principal business address in Massachusetts
    OR
  • Have a worksite in Massachusetts AND plan to offer coverage to each eligible employee through the small business marketplace serving that employee's primary worksite

Employee Coverage

Will this business be offering coverage to, at minimum, all their full-time, W-2 eligible employees?

Result

Eligibility Estimate

Based on the answers provided, your group may not be eligible to shop for coverage as a small business. Please take a moment to review our Employer Eligibility policy and Frequently Asked Questions for more information.

If you believe your group is eligible to shop for coverage as a small business, you may still begin the application process by creating an employer account.

If your group is not currently eligible for coverage as a small business, you and your employees may be eligible for health and dental coverage through our individuals and families Marketplace. To learn more, click here.

For more information on employer eligibility, click here.

To learn more about the Health Connector for Business, visit our website for employers.

Eligibility Estimate

Based on the answers provided, your group may be eligible to shop for coverage as a small business. You will need to submit proof of your eligibility as a Massachusetts small business to the Health Connector before you or your employees can shop for coverage. A list of acceptable documentation can be found here.

To begin your group's application and submit your eligibility documentation, click the continue button.

For more information on employer eligibility, click here.

To learn more about the Health Connector for Business, visit our website for employers.

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