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Health Insurance for Nannies

Benefit at a Glance

Give your household employee access to affordable health insurance coverage. Promote retention, peace of mind, and financial well-being … without the complexity.

A Plan that Protects Both You and Your Nanny

Anyone can be caught off guard by an unexpected illness or injury. Employers and nannies alike benefit from household employee healthcare coverage. That’s because health insurance for nannies:

  • Helps you attract and retain top employees.
  • Protects nannies financially. Healthcare coverage limits out-of-pocket costs, protects assets, and safeguards future earnings.
  • Covers more than just injury and illness. It’s not just the emergencies that insurance covers, it’s also the preventative healthcare needed to safeguard against future health problems, eliminating surprise illnesses and the resulting absenteeism.
  • Can be surprisingly affordable. When employers make contributions toward premiums, your nanny can pay low monthly payments.

Through our affiliate, GTM Insurance Agency, GTM can offer a variety of health insurance options for nannies.

Let us help you find the best health insurance plan for your nanny.

Looking for more? Check out our dental and vision plans as well as other health benefits options or download our Employee Benefits Overview (PDF).

Health Insurance & Benefits Options Comparison

The information below will help you compare the various plans and select one that best meets your nanny’s needs. These are contribution rates for 2026.

  HRA QSEHRA ICHRA FSA HSA
Employer funded Optional Optional
Employer tax savings If funded If funded
Employee funded      
Employee tax savings
Covers qualified out-of-pocket expenses
Covers insurance premiums Some plans    
Used to purchase health insurance      
Contribution limits No limit $6,450 single
$13,100 family		 No limit $3,400 $4,400 single
$8,750 family
Pairings Group plan Individual plans Individual plans N/A High-deductible plan
Coverage restrictions Must cover at least two employees None None None None

FSA

✔ Employer funded

✔ Employer tax savings

✔ Employee funded

✔ Employee tax savings

✔ Covers out-of-pocket expenses

✘ Covers insurance premiums

✘ Used to purchase health insurance

Contribution limit: $3,400

Pairing: N/A

Coverage restrictions: None

HRA

✔ Employer funded

✔ Employer tax savings

✘ Employee funded

✘ Employee tax savings

✔ Covers out-of-pocket expenses

✔ Covers insurance premiums

✘ Used to purchase health insurance

Contribution limit: No limit

Pairing: Group plan

Coverage restrictions: Must cover at least two employees

HSA

✔ Employer funded

✔ Employer tax savings

✔ Employee funded

✔ Employee tax savings

✔ Covers out-of-pocket expenses

✔ Covers insurance premiums

✘ Used to purchase health insurance

Contribution limit: $4,400 single / $8,750 family

Pairing: High-deductible plan

Coverage restrictions: None

QSEHRA

✔ Employer funded

✔ Employer tax savings

✘ Employee funded

✘ Employee tax savings

✔ Covers out-of-pocket expenses

✔ Covers insurance premiums

✔ Used to purchase health insurance

Contribution limit: $6,450 single / $13,100 family

Pairing: Individual plans

Coverage restrictions: None

ICHRA

✔ Employer funded

✔ Employer tax savings

✘ Employee funded

✘ Employee tax savings

✔ Covers out-of-pocket expenses

✔ Covers insurance premiums

✔ Used to purchase health insurance

Contribution limit: No limit

Pairing: N/A

Coverage restrictions: None

employee benefits

More to Explore

Employee Benefits

Insurance

HR Services

Get the Free Guide: Employee Benefits Overview

Learn about the options for health, retirement, and insurance benefits

Questions? Get Help with Employee Benefits

An employee benefits expert can answer questions you have about your requirements.

Call or chat with us during business hours, or schedule a free consultation at your convenience.

Call Toll Free: 800-929-9213

Hours: Mon-Fri 8:30 am - 8pm, ET

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Reviews from Real Clients of our Nanny Payroll and Tax Services

Excellent
GTM Payroll Services4.9
Based on 646 reviews
review us on
Yvonne J. Romero
I have worked with other payroll companies as a nanny and have had issues but with this payroll company I have had great experience with them. Any issues I have are addressed immediately
Response from the owner:Yvonne, thank you for letting us know that you have had a great experience with GTM. We are proud to provide you with the service you deserve. We appreciate the kind words!
Dawn Lind
Have not had any issues with service they provide. Good company and service.
Response from the owner:Dawn, we are grateful to know that we are living up to expectations and that you are happy with our service. Thank you for the kind words and your business!
Tricia Helman
Great Customer Service. I’m a household employer and the portal is really easy to navigate - have had salary and timekeeping employees, who also advised easy interface to navigate as well. Anytime I’ve had questions and called, they have been extremely helpful in getting things resolved and/or answering my questions.
Response from the owner:Tricia, we are so glad to know that you are finding GTM's platform easy to use and the customer service helpful. We pride ourselves on being the best payroll provider for household employers, so we're very happy that you have been so satisfied. Thank you for the kind words and for your business!
Jose Villanueva
Amazing customer service and precision to details.
Response from the owner:Jose, we appreciate those kind words - thank you!
A Z
Am using GTM household payroll for a part-time employee. Last year, used them for a full-time employee. Their software is straightforward and their customer service by phone is fantastic. They make complicated things like state-mandated plans, etc. happen very easily. Highly recommend GTM for household payroll.
Response from the owner:A Z, thank you very much for letting us know that our software and customer service have made things easier for you. We truly appreciate the kind words and we are grateful you'd recommend us!
Megan Paterson
GTM was my first experience with using a payroll service. I have to say they have been outstanding to work with. Support is always quick to answer and I get to always talk to a person...first! I don't have to jump through hoops to talk to a human being. And so far the people I talk to are extremely helpful and kind. I am very happy with the service and I would highly recommend them to anyone needing this type of service!
Response from the owner:Megan, we are delighted to hear how happy you are with GTM's service. We pride ourselves on providing personal, responsive support to all our clients, and we are grateful to hear that we met that standard with you. Thank you very much for the kind words and for your business!
Rebecca Virelles
GTM was always available when I needed them and made processing my household taxes much more simple. Thank you.
Response from the owner:Rebecca, we are grateful to hear that you had a positive experience with GTM. Thank you very much for the kind words and for your business!
c chianese
I have utilized GTM as my payroll service for my Nanny for many years. I have found them to be a top notch company with excellent payroll and tax services and outstanding client support. Their client services team has always been top notch professionals and very knowledgeable in any questions I have had. In particular, Lauren Bird-Oehler, the Tax Service Manager and Leslie from the Client Service Consultant Team are top notch professionals and extremely responsive in any issues I have discussed with them. There is always follow through in resolving. Overall GTM is very client focused and you can tell (and feel) that everyone you deal with takes great pride in delivering excellent service to their clients. Recommendations like this don’t come easy from me. I hold service providers to a high standard. Can’t go wrong with choosing GTM as your payroll service!
Response from the owner:C, we are truly grateful for the kind words about Lauren, Lisa, and the GTM team. We are so glad that we have provided you with the personal, responsive service we strive for with all our clients. Thank you very much for letting us know that we've exceeded your expectations, and for your many years of business!
Abigail Wald
UPDATING to include my latest interaction: Janie was awesome. Helped me understand all the tax implications and how to make the best choices. GTM continues to be the very best! FROM BEFORE: Leslie thought of everything. She asked me all the questions I needed to think of, but didn't even know existed. She was SO professional and kind and thoughtful and proactive. I feel like I am in such good hands with GTM. All the years with them have been great, honestly, but this past experience with Leslie was just the icing on the cake. SUCH a good company!!
Response from the owner:Abigail, we are delighted to hear how thorough and helpful Leslie was for you. She exemplifies the superior customer service all of our GTM team members strive to provide. Thank you very much for the kind words - we appreciate your business!
Cody Clark
I used GTM to facilitate employment of in home care aids. GTM exceeded all expectations, their customer service, user interface, compliance processes are top notch. Highly recommend. Leslie especially was a pleasure to work with.
Response from the owner:Cody, it's great to hear that Leslie and the GTM team have been helpful for you. We are delighted that we have exceeded your expectations. Thank you for the kind words and for your business!
Amanda Batla
Leslie was absolutely amazing, super helpful. Within minutes of chatting, she had the answer to my question, all the information I needed and forms to solve my problem. In addition, she followed up with an email immediately after and then again in response to one I sent.
Response from the owner:Amanda, thank you for letting us know how great Leslie's service was for you. We strive for that type of customer care with every client. We appreciate the kind words and your business!
Anne-Paul Swett
I have had conversations with Janie at GTM on more than one occasion. My issues have been technical in nature, attempting to log on and retrieve paperwork for my caregiver. Janie has always been kind, patient, resourceful, using humor when appropriate which I appreciate, understanding, and able to achieve what is needed in one way or another. She is a joy to speak with. There have been other wonderful people over the past several years. But she stands out! I am grateful to GTM for allowing me an anxiety free way to reimburse my most wonderful caregiver. I could not possibly keep up with the changes to laws and taxes. Thank you GTM!
Response from the owner:Anne-Paul, we are so happy to hear that using GTM's services have made your life easier! It's definitely a good idea to let our experts worry about tax laws so you don't have to. Thank you very much for the kind words and your business!
Judy Grabkowski
Excellent service. Great personality Very, very helpful
Response from the owner:Judy, we are happy to hear about your great experience with GTM. Thank you for the kind words and for your business!
Kristina McQuaid
GTM is always helpful, accurate, and knowledgeable. Thanks Leslie!
Response from the owner:Kristina, thank you very much for the wonderful review about Leslie and GTM! We appreciate your words and your business.
Maclady LadyMac
Leslie helped me quickly alter my payroll cycle so that I could enable the HomePunch feature on my account. She took the time to work through/talk through the best approach to resolving my concern. She was patient, informative, and extremely helpful! In fact, I was able to call back the following day and get connected directly to her to answer more questions for me. I am so glad I made the switch to GTM for payroll. These initial interactions have shown me that they go above to help their clients. Thank you Leslie!
Response from the owner:Maclady, we are glad to hear that Leslie has made you happy about switching to GTM! We strive to create ecstatic clients, and it sounds like we have succeeded. Thank you very much for the kind words and for your business!
Brad & Colleen Durkin
The customer service is excellent! I emailed them to make a permanent payroll change that isn’t available through my online account. Leslie was quick to respond, got it setup right away and had great customer service! It was seamless for me which is extremely helpful.
Response from the owner:Brad and Colleen, we are delighted to hear that Leslie provided you with the customer service we strive for with every client. Thank you for letting us know was quick and responsive. We appreciate the review and your business!
Christine Classick
GTM has been a professional and efficient Payroll company for the more than ten years that we have been household clients. I’m so pleased that I found them! Today I was helped with an issue by Stephanie Carpenter. She was so sweet and funny while maintaining a professional attitude and great efficiency. Stephanie followed up immediately via email after completing the necessary task. I will continue to recommend Stephanie and GTM Payroll in the future!
Response from the owner:Christine, it's so great to hear how helpful Stephanie was for you. We are honored that you have been a loyal client for so long - we truly appreciate the kind words and your business!
marina stahl
It is great service. I am very grateful of there services Customer service always there to help us out. Thank you!
Response from the owner:Marina, we are delighted to hear that you are happy with GTM's customer service. Thank you for the kind words and for your business!
Barry Gold
We needed a service to handle payroll for our elderly parents' caregiver. I am so glad I chose GTM. They've made it incredibly easy for a payroll know-nothing like me. Using their website is a breeze, and if I do need to call, everyone I've ever spoken to has been so helpful. Today it was Sam, who instantly understood my issue and took care of it in moments. Boom, problem solved. I could not be more pleased, and would highly recommend.
Response from the owner:Barry, we are delighted to hear that Sam and the GTM team have provided you with great service, and we're grateful that you'd recommend GTM! Thank you very much for the kind words and for your business.
Alli Rehr
I had an excellent experience with GTM Payroll Services, thanks to Leslie. I was having some issues with logging into my account, and Leslie was incredibly helpful in walking me through the process. Not only was she knowledgeable and patient, but she was also kind and made sure to follow up with me to ensure that my problem was fully resolved.
Response from the owner:Alli, thank you very much for the kind words about Leslie and the service she provided. We are glad to hear that she was thorough and responsive and met your expectations. We appreciate you and your business!
Hiren Mankodi
Incredibly responsive and excellent service. Very knowledgeable support. Leslie was awesome as was Alex.
Response from the owner:Hiren, we are delighted to hear that Leslie and Alex provided excellent and responsive service for you. We thank you for the kind words, and we appreciate your business!
Julie Adams
We have been really happy with GTM and customer service with Leslie has been great, efficient and proactive.
Response from the owner:Julie, thanks very much for letting us know that Leslie and the GTM team have been helpful and efficient! We appreciate the feedback and your business.
Ashley Valentine
Have had a great experience with GTM Payroll Services. I have been especially impressed with their customer service, which is such a rarity these days. I can always speak to a knowledgeable person, and I can count on a follow up call or email for unanswered questions. Kim Loomis was especially helpful for me, for months on end, when we were dealing with booking keeping issues on the part of my state. She was fantastic! Highly recommend GTM Payroll Services for household employee payroll and benefits management.
Response from the owner:Ashley, we are glad to hear that you have a had a great experience with GTM, and that Kim was so helpful for you. We truly appreciate the kind words and your business!
victoria rosauer
Candace was very professional and really knew exactly how to help me and accomplish what I needed in a timely manner.
Response from the owner:Victoria, we are delighted to hear that Candace was able to efficiently provide excellent customer service for you. Thank you very much for letting us know, and for your business!
The Marla Lane Nanny Agency
We absolutely love GTM Payroll Services! They've been a professional, reliable and supportive partner for our agency which makes such a difference for us and our families. The team is always happy to assist us with any questions we have. We trust them completely when referring them to our families. Very grateful. We highly recommend. Thank you!
Response from the owner:Wow, thank you so much for the wonderful words! We are glad to hear that our partnership has been beneficial for both your agency and your families. We are delighted to have you as a partner, we truly appreciate you!
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