Group Health Insurance Plans

Advantages of Group Health Insurance Plans with Paychex

Simplified Administration
Easy Enrollment & Self-Service
Help with Plan Selection
ACA Support

Simplified Administration through Payroll Integration

We help you gain efficiency and minimize data entry errors by integrating your group health plan with Paychex payroll through Paychex Flex®, our all-in-one benefits, payroll, and HR software solution.

Easy Enrollment and Employee Self-Service

Onboarding with us is easy. We help enroll your employees, communicate with insurance carriers, initiate payroll deductions, and simplify plan management through our Paychex Flex® Benefits platform. Employees can also quickly check their benefits information in real time via our secure mobile app.

Licensed Agents Can Help You Select a Plan

HMO, PPO, Point-of-Service, or High Deductible Health Plan (HDHP)—which is best for your business? Our licensed agents will explain the different health plans and show you a comparison to help you decide. We also have dedicated insurance specialists who’ll coordinate with your carrier and provide support.

Help with ACA Requirements

Our group health insurance solutions can help you meet the often complex reporting requirements of the ACA, from coverage adequacy standards to forms submission to updates on rule changes.

Enhance your Health Benefits with Extended Plans and Services

Individual Health Insurance

If you don’t have insurance or are about to lose your coverage, our licensed agents can help you choose an individual health policy that includes your dependents.

Benefits Accounts

Control benefits costs and save on taxes by offering employees a health savings account (HSA), flexible spending account (FSA), or a health reimbursement arrangement (HRA).

Tax-Saving Plans

Also known as “cafeteria plans”, participants can receive certain benefits on a pretax basis. We can combine a premium-only-plan (POP) or flexible spending account (FSA) with your group health insurance, so you and your employees can take advantage of tax savings.

Dental and Vision

Studies have shown that personalized benefits such as dental and vision insurance can increase employee satisfaction. Which voluntary benefits best fit your business? We can help you decide and make them easier to manage through payroll integration.

ACA and ESR Services

Get help meeting Affordable Care Act (ACA) requirements, such as Employer Shared Responsibility (ESR) reporting. Contact us for full-time employee analysis and monitoring to help determine your Applicable Large Employer (ALE) status, coverage access, and affordability.

COBRA Administration

Federal or state regulations may require you to offer continuation of health insurance coverage to certain employees and their qualified beneficiaries. We can help make it easy to manage and maintain, from sending notices to collecting premium payments.

Group Health Insurance Works With…

Group health insurance through Paychex Insurance Agency can be bundled with payroll and other services so you can manage benefits and HR more accurately in just a few steps.

Benefits

The right benefits plan can help attract and retain top talent. We can help you select and deliver a plan based on the benefits employees want most including a flexible spending account (FSA), vision and dental insurance, and individual health insurance.

Payroll

Submit payroll online from your desktop or mobile device, or over the phone with a dedicated payroll specialist. We’ll also help you calculate payroll taxes and send them to the appropriate agencies.

A business owner happy to see clear pricing

Professional Employer Organization (PEO)

Make big-company benefits more attainable by working with a PEO to leverage economies of scale.

An employee talking to her retirement advisor

Retirement Services

Learn how the nation’s top 401(k) recordkeeper¹ can save costs on retirement plans for you and your employees.

Make Health Insurance Affordable For your Employees

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Frequently Asked Questions

What are group health insurance plans?
What are group health insurance plans?

A group health insurance plan is an employee benefit plan established by a business for its employees, or an organization for its members (such as a union). The plan provides health insurance for participants directly or through insurance reimbursement.
How many employees do you need to qualify for group health insurance?
How many employees do you need to qualify for group health insurance?

At least two, including the owner.
What is included in group health care benefits?
What is included in group health care benefits?

A group health insurance plan covers specific medical expenses for you and your participating employees. Group dental, vision plans, and other voluntary insurance are offered separately.
What is the difference between group insurance and individual plans?
What is the difference between group insurance and individual plans?

Group insurance plans cover groups of two or more people — which may include an employer, two or more employees, and their families. Individual insurance is a health plan that covers a single employee, with an option to add coverage for that employee's eligible family members. If the business consists only of a single consultant, freelancer, or sole proprietor, individual insurance may provide necessary medical coverage in a situation where group health coverage may not be available. Individual policies can also be tailored to the individual employee's needs, and employees can shop around for their ideal individual health insurance provider instead of using one chosen by their employer.

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