Crossword Genius

Well, just pay for it (6,9)

Ross

I believe the answer is:

health insurance

I'm a little stuck... Click here to teach me more about this clue!

'it' is the definition.
The definition suggests a singular noun which matches the answer.

'well just pay' is the wordplay.
I cannot really see how this works, but
'well' could be 'health' (I've seen this before) and 'health' is found in the answer.
The remaining letters 'insurance' is a valid word which might be clued in a way I don't understand.
This explanation may well be incorrect...

'for' acts as a link.

Can you help me to learn more?

(Another definition for health insurance that I've seen is " cover".)

I've seen this clue in The Sunday Times.
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