The Small Business Health Options Program aims to help the common man.

If you have fewer than 50 workers on your staff, you’ll be able to shop for coverage to benefit the employees you currently employ. This is a part of the healthcare exchanges that will help the small business man — not only in premiums, but also in administrative costs.

SHOP allows small employers to bargain with insurance coverage as a group and will lower annual premiums for business by 1-4 percent. On the flip side of things, small business won’t be able to enroll directly on 10/1, without the aid of an insurance agent. Small businesses will be open to purchase exchanges on Nov. 1.

For more information:, 1-800-318-2596.

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