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.

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

Yes

No

A business must have one (1) to no more than fifty (50) full-time equivalent eligible employee(s) to enroll. Owners, spouses of owners, and qualifying dependents of owners do not count towards the above requirement.

To learn more, visit our Employer Eligibility policy or our Frequently Asked Questions.

How do I calculate my 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.

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.

Does this business have at least one (1) non-owner employee who will enroll in coverage?*

Yes

No

At least one (1) full-time equivalent employee must enroll in coverage for the group to be eligible. Owners, spouses of owners, and qualifying dependents of owners do not count towards the above requirements.

To learn more, please review the Participation section of our policy.

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

Massachusetts business location*

Yes

No

To be eligible to shop through the Health Connector for Business, the business must either have a principal business address or worksite in Massachusetts.

To learn more, visit our Employer Eligibility policy.

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

Yes

No

To satisfy Affordable Care Act (ACA) regulations, employers must, at minimum, offer all full-time, W-2 eligible employees coverage.

To learn more, visit our Employer Eligibility policy.

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 & Families Marketplace. To learn more, click here.

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 Create Account button below. CREATE ACCOUNT For more information on employer eligibility, click here. To learn more about the Health Connector for Business, visit our website for employers.