Does SHOP coverage allow me to buy a pre-established level of coverage and let my employees buy a higher level of coverage if they make up the difference?

Coverage for small employers | Small Employer Coverage

Yes. If you enroll through the SHOP marketplace, you should be able to choose a reference plan on which you base your contribution level, and your employees can choose that plan or more or less expensive plans. If they buy a more expensive plan, they would make up the difference, while they could reduce their premium if they purchase a less expensive plan. (45 C.F.R. § 155.705).

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