Individual Health Insurance Made Simple
Get individual health insurance the easy way with Paychex. Explore plans from leading carriers and get expert guidance from licensed agents — all in one convenient place.
How Paychex Individual Health Insurance Works
Licensed agents help you explore plans from top national carriers based on your needs — no employer required.
Whether you’re a freelancer, business owner, or in between jobs, you’ll find support for individual health plans, plus options for dental, vision, life, and more.
Why Choose Paychex for Individual Coverage?
Coverage for You and Your Family
Get plans tailored to fit your unique needs, with options for you, your spouse, and dependents.
Top Carriers, One Place
Get guidance on plans from leading insurance carriers — quickly, easily, and with support from licensed Paychex agents.
Guidance You Need
Work with experienced agents who can guide you to the best coverage options for your specific needs.
Easy Enrollment
Enjoy a hassle-free experience with simple and quick enrollment.
No Employer Contribution Needed
Perfect for small budgets — no employer contribution is needed to secure coverage.
Extra Coverage Options
Expand your protection with additional coverage options to meet your full range of needs.
Easy Enrollment with Expert Support
Contact a Rep
Connect With A Licensed Agent For The Guidance You Need
Compare Plans
We'll Help You Compare Plans To Find the Best Fit
Enroll
Enroll Quickly and Start Your Coverage with Confidence
Pick the Plan that Fits Your Needs
Paychex makes it easy to find a health plan tailored to your needs. Our options are customized based on your age, location, and coverage preferences, with potential subsidies available to reduce costs.
Trusted by Businesses Nationwide
Learn how Paychex supports over 800,000 businesses and how Jenna Miles, Co-Owner of The Revelry, uses our solutions to reach their goals.
“Our ability to connect with our employees on payroll and HR concerns is what makes out business and the culture in each of the restaurants more vibrant.”
— Jenna Miles. Co-Owner, The Revelry
Complements to Individual Coverage
Help your employees access affordable, personalized benefits with Paychex.
Health Savings Account (HSA)
Pair your high-deductible health plan with an HSA to pay uncovered medical expenses with pretax dollars.
Group Health Insurance
As your business grows, upgrade to group health insurance for better rates and employee benefits.
Voluntary Benefits
Enhance your benefits package with dental, vision, and life insurance.
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Individual Health Insurance FAQs
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What Is Individual Health Insurance?
What Is Individual Health Insurance?
Individual health insurance is coverage purchased directly by an individual, not provided through an employer.
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Who Needs Individual Coverage?
Who Needs Individual Coverage?
Self-employed individuals, 1099 contractors, part-time workers, and those in job transitions often need individual health insurance, especially if they don’t have access to an employer-sponsored plan.
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Can I Get Coverage Without An Employer Plan?
Can I Get Coverage Without An Employer Plan?
Yes, individual health insurance is specifically designed for people without employer-sponsored coverage. It provides flexibility and independence from employer involvement.
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Are Subsidies Available?
Are Subsidies Available?
Many individuals qualify for state or federal health subsidies based on their income and location, helping to reduce costs. Click to see if you are eligible today.
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How Is Individual Health Insurance Different From Group Health Insurance?
How Is Individual Health Insurance Different From Group Health Insurance?
Unlike group health insurance, individual plans are purchased independently, involve no employer contributions, and may offer more flexibility. However, costs can be higher depending on subsidy eligibility.