The State June 13, 2014 By JOEY HOLLEMAN South Carolina, and 17 other states have been allowed to delay until 2016 at the earliest the implementation of a major component of the Affordable Care Act designed for small businesses and their employees. The Small Business Health Options Program, or SHOP, was designed to allow companies with up to 100 employees to offer a menu of insurance options to their workers. The โemployee choiceโ portion of SHOP was to provide individuals in the company group policies options similar to the gold, silver and bronze plans offered on the federal Health Insurance Marketplace. In the struggle to roll out the Affordable Care Actโs federal marketplace website last year, the SHOP program portion of the website was scrapped. Though some aspects of the program were implemented through paper documents, the โemployee choiceโ provisions werenโt available in the 32 states using only the federal marketplace for 2014. With the decisions on how to operate in 2015 looming, 18 of those 32 states asked the federal government to delay โemployee choiceโ for another year. The U.S. Department of Health and Human Services approved those delays in late May. Ray Farmer, director of the S.C. Department of Insurance, requested the delay in part because insurance companies informed his office rates would rise under the proposed changes. He said the delay is โin the best interest of small employers and their employees and dependentsโ in a letter to HHS. The impact of SHOP will be difficult to track this year because few businesses have signed up in the states where it was fully implemented. In California, for example, only 1,223 small businesses covering 8,294 employees and dependents had purchased coverage through SHOP by the end of March. South Carolina insurers and regulators should have more data on the impact in other states in another year. Among the states that didnโt seek another delay is neighboring Georgia. North Carolina joined South Carolina in opting out for at least another year. Frank Knapp, president of the S.C. Small Business Chamber of Commerce, thinks the delay is a reflection on confusion by the insurance companies more than potential value to consumers, but he still thinks the concept of an employee choice program will work. The delay โis unfortunate because this was one of the big selling points for the marketplace for small businesses,โ Knapp said. Read more here: http://www.thestate.com/2014/06/13/3507374/small-business-insurance-program.html?sp=/99/101/#storylink=cpy