COBRA Administration Services

Effortless COBRA Compliance and Participant Support

Managing COBRA compliance shouldn’t be a burden. At COBRAHelp, we simplify the complexities of Federal COBRA regulations so employers, brokers, and TPAs can remain compliant while reducing administrative headaches. With nearly 40 years of experience, we are the trusted partner for COBRA administration nationwide.

As non-compliance penalties, legal disputes, and HR costs rise, choosing the right COBRA administrator is critical. COBRAHelp delivers industry-leading expertise, innovative technology, and dedicated support to keep your business protected and your participants informed.

State-of-the-Art Technology

24/7 Online Portal

Employers, brokers, TPAs, and participants can easily track COBRA events, payments, and coverage.

Custom Reporting

Generate detailed compliance reports to manage obligations effectively.

Easy Data Integration

Streamline eligibility, payments, and electronic data interchange (EDI) coordination with partners and vendors.

Platform Integrations

Our platform offers seamless integration with Employee Navigator, ensuring your HR data syncs automatically and accurately across systems. Whether you’re onboarding new employees or handling COBRA compliance, these integrations streamline workflows and minimize manual errors.

If you use a different platform, we can integrate with that as well. Contact us to let us know which platform you’re using.

What Makes CobraHelp Different?

Proven Expertise and Compliance Leadership

COBRA Administration Experts

We focus exclusively on COBRA and continuation coverage compliance.

Zero Compliance Penalties

Our clients avoid costly fines thanks to our strict adherence to regulatory requirements.

Nearly 40 Years of Experience

A track record built on precision, trust, and customer-first innovation.

Tailored, Human-Centric Solutions

We know every business is unique. Unlike one-size-fits-all vendors, COBRAHelp offers customized solutions for employers, brokers, and TPAs. Whether you manage COBRA for a small business or a multi-state corporation, we adapt to your specific needs.

Unmatched Customer Support

  • Dedicated Account Managers providing personalized, direct service—no call centers.
  • Expert compliance guidance for HR teams and COBRA participants.
  • Responsive support ensuring quick, accurate solutions to your COBRA-related questions.

Comprehensive COBRA Administration Services

We manage every step of the COBRA compliance process, so you don’t have to.
Initial Rights Notifications

We ensure compliance with General Notice requirements for newly insured employees and dependents—so you never miss a deadline.

COBRA Event Tracking and Notifications

We handle all mandatory notifications for qualifying events, including:

  • Termination of employment
  • Reduction of work hours
  • Dependent loss of coverage
  • Other COBRA-triggering events

We ensure timely delivery of Election Notices, Grace Period Reminders, and compliance updates to protect your organization.

COBRA Coverage Enrollment

Once a participant elects COBRA, we oversee the entire enrollment process, including:

  • Premium collection and reinstatement notifications.
  • Coverage updates sent directly to carriers and employers.
  • Secure online access for participants to manage coverage.
Monthly Billing and Premium Collection

We simplify COBRA billing with a fully managed, seamless process:

  • Automated monthly billing statements to participants at no extra cost.
  • Grace period tracking and timely premium collection.
  • Employer premium remittance to ensure reconciliation.
Coverage Termination and Rate Updates

We ensure accurate processing of coverage terminations and handle annual rate changes during group health plan renewals.

Optional Open Enrollment Management

During open enrollment, we assist COBRA participants with:

  • Plan selection guidance during renewals.
  • Updated premium calculations based on employer changes.
  • Full compliance management to avoid coverage disruptions.
Dedicated Participant Support

We provide direct assistance to COBRA participants, including:

  • Premium payment reminders and deadline tracking.
  • Expert support for COBRA-related questions.
  • Secure self-service portal access 24/7.

Key Benefits of COBRAHelp Services

Save Time

Offload COBRA administration so your HR team can focus on more pressing priorities.

Reduce Risk

Stay ahead of compliance deadlines and avoid costly penalties.

Improve Efficiency

Our intuitive technology and expert processes ensure seamless administration.

Transparent Pricing

No hidden fees, no contract lock-ins, just reliable, cost-effective service.

Included at No Additional Cost

  • 180-day reminders before coverage eligibility fully expires
  • Administer state continuation extensions in NY, TX, CT, and CA
  • Send notices for early terminations and missed premium payments
  • Track eligibility using your company’s custom rules and timelines
  • Help with conversion coverage once continuation ends
  • Transfer existing participants to CobraHelp at no added cost
  • Send tailored notices that match your plan structure and needs

 

Flexible Service Packages

We offer two COBRA administration packages that may be tailored to suite businesses of all sizes and industries.

COBRAHelp: Trusted by Employers and Brokers Nationwide

With their thorough knowledge of COBRA compliance, COBRAHelp has been a fantastic resource for MBL Benefits Consulting and our clients. Their user-friendly portal and expertise give us confidence we are partnering with the right COBRA experts.
Howard Metzger
President, MBL Benefits Consulting

Your Complete COBRA Solution

For nearly 40 years, COBRAHelp has been a leader in COBRA compliance and benefits administration. As pioneers of third-party administration, we’ve served thousands of employers, brokers, and TPAs across the nation with precision, expertise, and unmatched service.

Let us handle the complexity of COBRA administration so you can focus on growing your business.

Get Started Today

Ready to simplify COBRA compliance and reduce your administrative burden?

  • Contact us now to speak with a COBRA expert.
  • Sign up today and choose the service package that best fits your business needs.