To qualify for a SHOP plan, a business must meet certain criteria. It must have 1 to 50 full-time equivalent employees (FTEs). The business must also operate within a state that offers a SHOP plan and offer coverage to all full-time employees. In most states, at least 70% of the full-time employees must accept the insurance offered or be covered through another source. Businesses can apply for SHOP plans through the Health Insurance Marketplace or through a licensed insurance agent or broker.