## Zoho Payroll Documentation Index

Access the complete documentation index at:
https://www.zoho.com/us/payroll/llms.txt

Use this file to discover all available documentation pages before proceeding.

# Set up and Manage Health Insurance with SimplyInsured

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[SimplyInsured](https://www.simplyinsured.com/) is a US online health insurance broker for small businesses. It helps you find, buy, and manage medical, dental, and vision insurance from a range of carriers.

You can integrate with SimplyInsured to shop for, set up, and manage this insurance for your employees, without leaving Zoho Payroll.

If you do not have a plan yet, you can compare plans from the carriers SimplyInsured offers for your location and buy one. If you already have a plan, you can connect it so the plan and its payroll deductions stay current when the plan changes or you add employees.

Once a plan is active, it appears in Zoho Payroll as a benefit, and its contributions and deductions sync automatically, so you do not have to set up deduction components by hand.

**Availability and Limitations**

Before you start, check that SimplyInsured can offer plans to your business. This depends on your state, your business size, and who you want to insure.

Limitation

What it means

State availability

SimplyInsured is not sold in every state. Confirm your state is supported before you begin.

Business size

SimplyInsured is for small businesses, broadly from 1 to about 150 employees. The carriers available through SimplyInsured may set their own minimums on top of this.

Who is eligible

Coverage is for W-2 employees and owners. In most states, 1099 contractors are not eligible, with limited exceptions for full-time contractors.

Coverage timing

Carriers start coverage on the 1st of the month, and your application steps in SimplyInsured must be completed before a deadline ahead of that date.

Out-of-state employees

Because carrier networks are regional, covering employees in other states is not always possible. Check plan details if your team is spread across states.

This guide walks an admin through the whole flow, from connecting the integration to seeing the finished benefit in payroll. It documents setting up a new plan in full. If you already have a plan, the _Connect existing plan_ path is noted where it differs.

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**Before You Begin**

**Prerequisite:** To connect SimplyInsured and complete the application, you must be an **Admin**, or your role in Zoho Payroll must have access to **Settings**.

You will also need:

Requirement

Why it is needed

Your **employees added** in Zoho Payroll

SimplyInsured syncs its employee list from Zoho Payroll.

**Company documents** ready for the application

Typical documents include your Articles of Organization or LLC Agreement, a recent payroll journal, your IRS FEIN letter, and your state Statement of Information.

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## Step 1: Connect SimplyInsured to Zoho Payroll

1.  Go to **Settings** on the left sidebar.
2.  In the left sidebar, click **Other Apps** under _Integrations_.
3.  On the **Integrations - Benefits** page, find **SimplyInsured** and click **Connect**.

A consent window opens. You can read SimplyInsured’s **Terms of Service** and **Privacy Policy** to see how your data is processed and protected.

![Integrate with SimplyInsured consent window](/payroll/help/us/integrations/simplyinsured/connect-consent.png)

4.  Click **Agree & Continue** to proceed, or **Close** to cancel.

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## Step 2: Choose How You Want to Set up Coverage

After you agree, choose how to set up your insurance, depending on whether you already have a plan:

Option

Use it when

**Connect existing plan**

You already have a plan and want payroll deductions to stay current when the plan changes or you add employees.

**Find a plan**

You want to browse small business medical, dental, and vision plans from carriers in your area and build a new policy. _(This is the path the rest of this guide follows.)_

![Find a plan or Connect existing plan](/payroll/help/us/integrations/simplyinsured/find-plan-or-connect-existing.png)

**Note:** If you already have an existing plan, contact SimplyInsured by the email or phone number shown on screen. They will help you connect it.

The rest of this guide follows the **Find a plan** path for setting up new coverage.

*   Click **Find a plan** to continue.

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## Step 3: Authorize Data Access

Before SimplyInsured shows your plans, confirm the data it will access from your payroll on an ongoing basis. SimplyInsured uses this to give you an insurance quote and, if you buy a plan, to maintain your policy.

SimplyInsured will access:

*   Company
*   Company tax documents
*   Employees
*   Payrolls
*   Payroll items
*   Benefits
*   Post tax deductions

![Authorize data access for SimplyInsured](/payroll/help/us/integrations/simplyinsured/authorize-data-access.png)

*   Click **I Agree** to continue.

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## Step 4: Browse Plans

In this step, you choose the medical, dental, or vision plans you want to offer. SimplyInsured prices every plan from your synced employees and your business location, so the quotes you see are specific to your team.

**Review Your Synced Employees**

Your quote is priced from this list, so check it is accurate before you shop. The **Employees Synced from Payroll** panel shows each employee with their age, which affects premiums.

![Employees synced from Payroll panel](/payroll/help/us/integrations/simplyinsured/employees-synced-from-payroll.png)

From this panel you can:

*   Click **Add Family Member** for an employee, then choose **Add Spouse** or **Add Child**. Adding dependents changes the quote, since premiums depend on who is covered.
*   Click **Add/Edit Employees** to adjust the list. If an employee is missing, add them in Zoho Payroll first, then sync.

![Add Family Member options for an employee](/payroll/help/us/integrations/simplyinsured/add-family-member.png)

**Find a Plan**

Quotes are based on your company location and your employee census, so the plans and prices you see are specific to your business. Use the tabs to browse plans by category:

*   **Show all plans** lists every available plan.
*   **Recommended Plans**, **Plan Packages**, **Favorites**, **Dental Plans**, and **MEC/MVP Plans** group plans by type or fit.

![Browse SimplyInsured plans](/payroll/help/us/integrations/simplyinsured/browse-plans.png)

Each plan card helps you compare options at a glance. The tier (Bronze, Silver, or Gold) signals the trade-off between the monthly premium and what employees pay out of pocket: lower tiers cost less each month but carry higher deductibles, while higher tiers cost more but cover more up front.

The network type (HMO, PPO, or EPO) determines which doctors employees can see and whether they need referrals. The deductible and doctor visit cost show what employees pay before and during care, and the monthly cost per employee is the figure to weigh against your budget.

**Insight:** Some cards also carry persona tags like “Young and Healthy Employees” or “Employees with Families.” Use these as a shortcut to surface plans that suit your team’s profile, then confirm the details still fit before you decide.

For each plan you can:

*   Click **Favorite** to save it for later.
*   Click **Compare** to line plans up side by side.

When you find a plan you want, open it to move into **Configure Policy**.

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## Step 5: Configure Your Policy

In this step, you confirm the plans you are offering, decide how much of the premium your company covers, and set when coverage starts. A running cost breakdown updates as you go, so you can see the effect of each choice before you commit.

**Confirm and Add Coverage Lines**

Your selected **Medical** plan appears with its tier, network type, deductible, doctor visit cost, and total monthly cost. You can:

*   Click **View Plan Details** to see the full plan.
*   Click **View Cost Breakdown** to see how the cost is split.
*   Click **Add an Additional Medical Plan** if you want to offer more than one.
*   Click **Add Dental** and **Add Vision** plans.

![Configure policy with medical plan selected](/payroll/help/us/integrations/simplyinsured/configure-policy.png) ![Configure policy with medical, dental, and vision plans](/payroll/help/us/integrations/simplyinsured/configure-policy-dental-vision.png)

**Set Your Contribution**

Under **Contribution Amount**, decide how much of the premium your company pays.

1.  Choose whether to offer the same contribution amount to every employee.
2.  Set either a **% of total premium** or a **Flat dollar amount**.
    *   A percentage keeps your contribution proportional to each plan’s cost, so your share rises and falls with the plan an employee picks.
    *   A flat dollar amount gives every employee the same fixed contribution whatever plan they choose. This caps and steadies your company’s cost while employees cover any difference on pricier plans.
3.  Enter the **Percentage for Employees** and the **Percentage for Dependents**. For example, you might cover 50% for employees and 0% for dependents.

The **Cost Breakdown** table then shows, for each employee, the monthly premium, the company share, and the payroll deduction.

![Contribution amount and cost breakdown](/payroll/help/us/integrations/simplyinsured/contribution-amount.png)

**Set Your Coverage Start Date**

Under **Coverage Start Date**, choose when you want coverage to start, like the first of the coming month. SimplyInsured shows a deadline by which all application steps must be done so coverage can start on time.

![Coverage start date and application deadline](/payroll/help/us/integrations/simplyinsured/coverage-start-date.png)

*   Click **Save and Continue**.

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## Step 6: Enter Your Company Information

SimplyInsured collects the company details the insurance carrier needs. Some fields are synced from Zoho Payroll and shown for you to confirm.

**Company Information**

Field

What to enter

**NAICS Code**

Your industry classification code.

**Organization Type**

For example, LLC, corporation, or sole proprietorship.

**Federal Tax ID Number**

Your FEIN.

**Owner or President Name**

The name of the owner or president.

**Date Company Established**

When your company was established.

**Have you run payroll prior to \[date\]?**

Choose **Yes** or **No**.

![Company information in SimplyInsured](/payroll/help/us/integrations/simplyinsured/company-information.png)

**Contact Information**

Field

What to enter

**Primary Contact Name**

The main contact for the application.

**Primary Contact Title**

That person’s title.

**Phone Number**

A contact number for the business.

**Primary Contact Email (Optional)**

Optional.

**Physical Address**, **City**, **State**, and **Zip Code**

Your business address.

**Mailing address same as physical address?**

Choose **Yes** or **No**. Choosing **No** opens fields for a separate mailing address.

![Contact information in SimplyInsured](/payroll/help/us/integrations/simplyinsured/contact-information.png)

**Worker’s Compensation Details**

Field

What to enter

**Does your company have workers’ compensation insurance?**

Choose **Yes** or **No**.

**Current Carrier**

Enter your carrier if you have one.

**Coverage Preferences**

Field

What to enter

**Waiting Period For New Employees**

For example, “1st of month after hire date.” This sets when new hires become eligible.

**Offer insurance to domestic partners?**

Choose **Yes** or **No**.

**Offer insurance to part-time employees?**

Choose **Yes** or **No**.

![Worker's compensation details, coverage preferences, and signature](/payroll/help/us/integrations/simplyinsured/workers-comp-coverage-preferences.png)

**Signature**

Sign in the signature box to authorize SimplyInsured to send the information you have provided to the insurance company so coverage can begin.

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## Step 7: Manage Employees

In this step, you choose which employees to offer benefits to. Every eligible employee then has to either enroll or decline before you can submit your application, so this is also where SimplyInsured emails them to do that.

**Set Who Is Eligible**

Here you choose which of your employees to offer benefits to. Only the people you include are invited to enroll, so this is where you decide exactly who is covered before invitations go out.

If an employee is missing, add them in Zoho Payroll. New hires are invited to enroll in benefits when they are added.

Answer the ownership questions:

*   **Is any person in the list above an owner of the company?**
*   **Do all owners in the list above receive wages as employees on payroll?**

![Set eligible employees in SimplyInsured](/payroll/help/us/integrations/simplyinsured/manage-employees.png)

**Add Owners Not on Payroll**

Under **Owners**, use **Add Person** to add any owners who are not in your payroll list.

**Send Applications to Employees**

SimplyInsured emails an application to each eligible employee who has an email address, inviting them to see plans and enroll, or to decline. You can preview this email before it goes out.

The **Eligible Employees** table shows each employee and their email. For employees without an email address, you will have the option to complete the application on their behalf later.

![Employee application email preview and eligible employees](/payroll/help/us/integrations/simplyinsured/send-applications.png)

*   Click **Save and Continue**.

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## Step 8: Finalize the Application

In this last step, you provide the documents the insurance company requires, review the full price, and set up payment for the first month.

**Upload Required Documents**

For each required document, you can click **How do I get this?** for guidance and **Why is this required?** for the reason. Typical documents include:

*   Articles of Organization or LLC Agreement
    
*   Most recent 30-day company payroll journal, or as much payroll history as you have
    
*   IRS letter containing your FEIN
    
*   Your state Statement of Information
    
*   Use **Select a file** to upload each one.
    

![Upload required documents](/payroll/help/us/integrations/simplyinsured/upload-documents.png)

**Review the Price**

Click **View Cost Breakdown** or **Explain This Price** to see a full split: the total you pay the carrier per month, your employees’ total share, and your company’s total share.

![Explain This Price cost breakdown](/payroll/help/us/integrations/simplyinsured/explain-this-price.png)

**Enter Payment Information**

Provide a bank account for the first month’s premium. Payment is usually debited within 2 to 10 days of application approval, and the carrier only charges you if the application is approved.

Field

What to enter

**Bank Name**

Your bank’s name.

**Routing Number**

Your bank routing number.

**Account Number**

Your bank account number.

![Payment information for first month premium](/payroll/help/us/integrations/simplyinsured/payment-information.png)

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**Track an Incomplete Application**

If you leave before everything is done, SimplyInsured shows an **Application is Incomplete** view with the open items and the deadline to finish them so coverage can start on time.

**Note:** All eligible employees must choose to enroll or decline before the application can be submitted.

![Application is Incomplete view](/payroll/help/us/integrations/simplyinsured/application-incomplete.png)

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**Complete an Application for an Employee**

If an employee has no email address, or has not finished their application, you can complete it for them. Open their **Application** from the incomplete view.

You fill in the same details the employee would and choose their plans or record a waiver, then submit on their behalf.

![Complete an employee application on their behalf](/payroll/help/us/integrations/simplyinsured/complete-employee-application.png)

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**How SimplyInsured Benefits Appear in Zoho Payroll**

Once a plan is active, the benefit and its contributions sync into Zoho Payroll, so you do not have to add them manually.

*   In the **Benefits** list, each synced benefit appears tagged **Managed By: Simply Insured**, with its plan (like Medical, Dental, or Vision Insurance), the number of employees enrolled, and its status.
*   In the **Compensation** tab of an employee’s details page, the linked benefits show the employee’s contribution and the employer’s contribution.
*   Employees can also view these benefits in their [Employee Portal](/us/payroll/help/employee/compensation/).

![SimplyInsured benefits managed by Simply Insured](/payroll/help/us/integrations/simplyinsured/benefits-managed-by-simplyinsured.png) ![SimplyInsured benefit on employee Compensation tab](/payroll/help/us/integrations/simplyinsured/employee-compensation-simplyinsured.png)

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**Disconnect the Integration**

You cannot disconnect SimplyInsured from the integration page yourself. Contact [support.usa@zohopayroll.com](mailto:support.usa@zohopayroll.com), and we’ll assist you.