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LeadChange Group

COBRA Administration

COBRA Administration Comparison

Every COBRA administration product we track, side by side: LeadChange Score, published pricing and verified features, each value checked against the vendor’s own documentation.

products compared
9
By LeadChange Research TeamUpdated Based on 27 sources, facts checked

LeadChange may earn a fee when you request pricing through our site or follow a sponsored link. Rankings never depend on whether a vendor pays us.We may earn a fee.

COBRA Administration comparison table

COBRA Administration comparison: LeadChange Score, pricing and verified service facts
ProductScorePublished priceState continuationOnline electionsPremium collectionCarrier updatesParticipant support hoursElectronic file feeds
COBRAGuard1–39.6$29.95/mo flat up to 35 employees, then $0.85/employee/moNot publishedYesYesYesEmployer and participant phone support 8 a.m.-5 p.m. CDT, Monday-FridayYes
BPAS47.7Quote onlyNoYesYesYesParticipant service Monday-Friday 8 am-8 pm ETYes
Ameriflex5–117.0Quote onlyYesYesYesYesParticipants Monday-Friday 7:00 AM-8:00 PM and Saturday 9:00 AM-1:00 PM CSTYes
HealthEquity12–156.4Quote onlyYesYesYesYesCOBRA and direct bill line Monday-Friday 7am-7pm CTNot published
Rippling16Primarily HRIS software; COBRA administration module is secondary5.3Not publishedNot publishedYesYesYesNot publishedNot published
CobraHelp17–205.2Quote onlyYesNot publishedYesYesMonday-Thursday 7:30 AM-4:30 PM, Friday 8:00 AM-2:00 PMYes
Employee Benefits Corporation21–23Not scoredQuote onlyYesYesYesYesParticipant services 7:00 a.m.-7:00 p.m. CT, client services 7:00 a.m.-5:00 p.m. CT, Monday-FridayYes
Paycom24,25Primarily HCM software; COBRA administration module is secondaryNot scoredQuote onlyNot publishedYesYesYesNot publishedNot published
WEX26,27Not scoredQuote onlyNot publishedYesYesNot publishedParticipants Monday-Friday 6am-9pm CST; employers Monday-Friday 7am-7pm CSTYes

Frequently asked questions

Which COBRA administration has the highest LeadChange Score?

Of the 9 COBRA administration products in this comparison, the highest LeadChange Scores belong to COBRAGuard (9.6/10), BPAS (7.7), and Ameriflex (7.0).

Do COBRA administrators publish their prices?

Of the 9 products compared, 1 publishes a list price we can compare and 7 are quote-only (BPAS, Ameriflex, HealthEquity, CobraHelp, and 3 more).

Which COBRA administrators offer a free trial?

COBRAGuard and Rippling list a free trial, according to their vendors: 2 of the 9 compared.

Which COBRA administrators in this comparison have a mobile app?

BPAS, HealthEquity, Rippling, Employee Benefits Corporation, and Paycom confirm a mobile app; 4 of the 9 products in this comparison do not document one.

Which COBRA administrators in this comparison support single sign-on?

Rippling and Paycom document single sign-on; 7 of the 9 products in this comparison do not.

Which COBRA administrators in this comparison administer state continuation (mini-COBRA) coverage?

Ameriflex, HealthEquity, CobraHelp, and Employee Benefits Corporation administer state continuation coverage alongside federal COBRA, according to their own documentation; BPAS states that it does not. 4 of the 9 COBRA administrators in this comparison do not publish it.

Which COBRA administrators in this comparison let participants elect coverage online?

COBRAGuard, BPAS, Ameriflex, HealthEquity, Rippling, and 3 more let qualified beneficiaries elect coverage through an online portal, according to their own documentation. One of the 9 COBRA administrators in this comparison does not publish it.

Which COBRA administrators in this comparison bill and collect COBRA premiums?

COBRAGuard, BPAS, Ameriflex, HealthEquity, Rippling, and 4 more bill qualified beneficiaries and collect their premiums, according to their own documentation.

Which COBRA administrators in this comparison send elections and terminations to insurance carriers?

COBRAGuard, BPAS, Ameriflex, HealthEquity, Rippling, and 3 more notify insurance carriers of elections, reinstatements and terminations, according to their own documentation. One of the 9 COBRA administrators in this comparison does not publish it.

How we research

Ranked by the LeadChange Score, computed only from verified facts: capability coverage (30%), pricing and value (20%), integrations and API (15%), security (15%), fit and support (10%) and data confidence (10%), times a category fit. Products with too few verified facts are not scored yet and come last. Payment never changes a score or a position.

Read the full methodology

Facts, not impressions · Missing data is never assumed · Independent of revenue · Scored as a service

  • Facts, not impressions

    Every input is a fact verified against vendors’ official documentation, with the date we last checked it.

  • Missing data is never assumed

    Unverified items are left out of the score and lower its coverage; below 60% coverage a product is not scored yet.

  • Independent of revenue

    Rankings never depend on whether a vendor pays us.

  • Scored as a service

    Service checks replace software ones: SOC 1 or SOC 2 report, HIPAA, public registrations (IRS CPEO, ESAC), file feeds, named integrations, support hours and implementation time, not webhooks, SSO, SCIM, ISO 27001, GDPR or a free trial.

How this page was made

  • What it is built from

    32 verified facts, each checked against the vendor's own pages or another primary source, most recently on Oct 24, 2026.

  • Method

    Scored and compared with the LeadChange methodology, version 1.3. Read the methodology

  • Independent review

    Not reviewed yet by our independent reviewer. How we review

  • Hands-on testing

    We have not tested these products hands-on: this page uses public information only.

  • Who made it

    The LeadChange Research Team, following a written research process. No named expert has reviewed this page. About us

  • Independence and errors

    Who pays us never changes a score or a rank. If something here is wrong, tell us and we correct it publicly. Request a correction

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Sources

The 27 pages this page's facts come from, with the day we last checked each one. The numbers beside the figures above link here.

Quotes from the sources
  1. COBRAGuard cobraguard.net/pricing/dlpdf.php?Lives=0&Term=2“Base Charge Per COBRA Eligible Employee $1.50 $0.85”
  2. COBRAGuard cobraguard.net/how-it-works“We're available to assist you between 8 a.m. and 5 p.m. CDT, Monday through Friday.”
  3. COBRAGuard cobraguard.net/about“While smaller companies typically submit events and information via our Web-based interface, larger companies often upload electronic data feeds through our secure FTP server.”
  4. BPAS toolbox.bpas.com/wp-content/uploads/COBRAProposal2026.pdf“A signed Service Agreement detailing plan dates, needs, and contract information between BPAS and the client” “available Monday through Friday from 8 am to 8 pm ET”
  5. Ameriflex myameriflex.crunch.help/en/new-cobra-platform/cobra-processing-fee“The Employer COBRA Processing Fee applies according to the terms of your current Ameriflex service agreement.”
  6. Ameriflex myameriflex.com/resources/guides/cobra-ultimate-guide
  7. myameriflex.crunch.help myameriflex.crunch.help/en/new-cobra-platform/make-a-cobra-election-new-platform
  8. myameriflex.crunch.help myameriflex.crunch.help/en/new-cobra-platform/make-a-cobra-premium-payment-in-the-participant-portal
  9. myameriflex.crunch.help myameriflex.crunch.help/en/new-cobra-platform/should-the-participant-stop-paying-their-cobra-premiums-does-ameriflex-notify-the-carrier-new-platform
  10. Ameriflex myameriflex.com/contact-2“Available Monday – Friday: 7:00 AM to 8:00 PM and Saturday: 9:00 AM to 1:00 PM CST”
  11. Ameriflex myameriflex.crunch.help/en/new-cobra-platform/what-is-the-cobra-timeline“Note: You can establish an EDI feed to reduce the time spent entering members into the system.”
  12. HealthEquity healthequity.com/cobra“Discover how we make COBRA compliance easier than ever.”
  13. HealthEquity healthequity.com/service/articles/13381169-minnesota-state-continuation-faqs
  14. HealthEquity healthequity.com/help-center/articles/5314348-cobra-getting-started
  15. HealthEquity healthequity.com/contact“COBRA and direct bill 877.722.2667 Mon-Fri: 7am-7pm CT”
  16. Rippling rippling.com/lp/cobra-administration
  17. CobraHelp mycobrahelp.com/who-we-help/small-businesses“Discuss Your COBRA Requirements”
  18. CobraHelp mycobrahelp.com/services/state-continuation-administration
  19. CobraHelp mycobrahelp.com/services/cobra-administration“Streamline eligibility, payments, and electronic data interchange (EDI) coordination with partners and vendors.”
  20. CobraHelp mycobrahelp.com/contact“Mon: 7:30AM to 4:30PM”
  21. Employee Benefits Corporation ebcflex.com/wp-content/uploads/2020/11/COBRA-Product-Sheet_S7-9026.pdf“Contact Us www.ebcflex.com (800) 346-2126” “Workflows to add qualified beneficiaries and qualifying events Access to current and past invoices, frequently used forms, and communications Electronic file feed options”
  22. Employee Benefits Corporation ebcflex.com/cobrasolution
  23. Employee Benefits Corporation ebcflex.com/contactus“Participant Services: 7:00 a.m. – 7:00 p.m. Central time”
  24. Paycom paycom.com/pricing“Paycom provides customized pricing, so organizations pay only for what they need.”
  25. Paycom paycom.com/software/cobra-administration
  26. WEX wexinc.com/products/employee-benefits/cobra“Request a demo of our Benefits solution” “WEX supports connected data workflows, automated file imports, and operational integrations designed to streamline COBRA and direct billing administration processes.”
  27. WEX customer.wexinc.com/contact/benefits“Available Monday-Friday, 6am-9pm CST, with the exception of some major holidays.”