Paychex changed my Cobra insurance plan without informing anyone. Changed me from a co-pay excellent plan to an HSA plan with an extremely high deductible. Basically have no insurance but still pay for first plan. People there are rude, incompetent, and accept no responsibility at all for their mistakes. Finally have filed a complaint with Federal government over them violating federal law. This company is the way to start a business. Collect people's money don't do job and say it's someone else's problem. My former employer is probably going to be sued over this company's lack of action when it's their mistake.