COBRA Administration
Best COBRA Administration for Enterprises
Enterprises run many plans and entities and can face large reductions in force, so capacity, audit history, security reports and data integration drive the choice of a COBRA administrator more than the per-participant fee does.
- products that fit
- 7
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Top 5 by LeadChange Scoreof 7 that fit · 2 not scored yet · scored for enterprises (reweighted)
COBRAGuard9.6 out of 10, High confidence
BPAS8.7 out of 10, High confidence
HealthEquity8.0 out of 10, High confidence
CobraHelp6.0 out of 10, High confidence
Rippling5.8 out of 10, Medium confidence
PaycomNot scored yet
WEXNot scored yet
See the full rankingHighMedium confidence
COBRA administration for enterprises, ranked
Ranked by LeadChange Score from verified facts; products with too few verified facts are not scored yet and come last. Prices are list prices as published by each vendor.
Filter by verified facts
COBRAGuard
COBRAGuard publishes its COBRA prices: COBRATrak Plus at $0.85 per COBRA-eligible employee a month with a $29.95 minimum, or Premium at $1.50 with a $39.95 minimum and no per-letter fees. It mails notices within three days with proof of mailing and remits premiums twice a month.
- Pricing model
- Per employee2
BPAS
BPAS runs federal COBRA end to end for employers of every size, from qualifying event requests to carrier notices, with a dedicated plan consultant and a participant mobile app. It is a subsidiary of Community Financial System (NYSE: CBU) and sets up a plan in 3 to 4 weeks.
- Pricing model
- Quote only3
HealthEquity
HealthEquity is a NASDAQ-listed benefits administrator, founded in 2002, whose COBRA service covers notice fulfillment and return mail, premium billing, eligibility and termination processing and real-time case management, with a full audit trail.
CobraHelp
CobraHelp is a Denver COBRA specialist administering COBRA since 1986 that handles federal COBRA and state continuation for small businesses through multi-state corporations, with dedicated account managers and an Employee Navigator integration.
- Pricing model
- Quote only6
Rippling
Primarily HRIS software; COBRA administration module is secondary
Rippling suits companies that want HR, payroll, IT and finance on one employee database and are ready to buy each product separately. Payroll for small businesses starts at $8 per user per month plus a $40 base fee.
Show all 7 products
- PaycomNot scored yet (12 of 21 facts verified)Paycom pricing
- WEXNot scored yet (9 of 21 facts verified)WEX pricing
LeadChange Score: editorial assessment based on public information.
What matters for enterprises
High-volume event processing
A layoff can create many election notices with the same deadline. Ask how the administrator handles a large batch of events and how quickly notices go out after the file arrives.
Multi-entity rate management
Rates, plans and carriers differ by entity and change every plan year, and each qualified beneficiary must be billed at the right rate for the right plan.
Complete audit history
Disputes over notices and payments need dated records for each beneficiary: what was mailed, when, to which address, and which payments arrived.
Security reports
The administrator holds health plan and payment data for every participant. Ask for its current SOC 1 or SOC 2 report and how it protects health information under HIPAA.
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Find your fit
By industry
More on COBRA administration
- All COBRA administration services, ranked
The full ranking, top picks and how to choose.
- COBRA Administration comparison table
Every product side by side: score, price and verified features.
- COBRA Administration pricing guide
Published list prices, cost by headcount and fees to ask about.
- COBRA administration for mid-sized companies
The ranking reweighted for mid-sized companies.
- COBRA administration for small business
The ranking reweighted for small business.
- COBRA administration for healthcare
The ranking reweighted for healthcare.
- COBRA administration for manufacturing
The ranking reweighted for manufacturing.
Frequently asked questions
What should enterprises ask a COBRA administrator?
How it processes a large batch of qualifying events, how it manages rates and plans across entities, what dated records it keeps for each notice and payment, and whether it has a current SOC 1 or SOC 2 report. Large plans also need carrier files and data feeds that do not depend on manual uploads.
What is the best COBRA administration for enterprises?
On the LeadChange Score weighted for enterprises, the highest-scoring of the 5 products with a published score are COBRAGuard (9.6/10), BPAS (8.7), and HealthEquity (8.0).
Which COBRA administrators for enterprises offer a free trial?
COBRAGuard and Rippling list a free trial, according to their vendors: 2 of the 7 products for enterprises.
Which COBRA administrators for enterprises have a mobile app?
BPAS, HealthEquity, Paycom, and Rippling confirm a mobile app; 3 of the 7 products for enterprises do not document one.
Which COBRA administrators for enterprises support single sign-on?
Paycom and Rippling document single sign-on; 5 of the 7 products for enterprises do not.
Which COBRA administrators for enterprises administer state continuation (mini-COBRA) coverage?
CobraHelp and HealthEquity administer state continuation coverage alongside federal COBRA, according to their own documentation; BPAS states that it does not. 4 of the 7 COBRA administrators for enterprises do not publish it.
Which COBRA administrators for enterprises let participants elect coverage online?
BPAS, COBRAGuard, HealthEquity, Paycom, Rippling, and WEX let qualified beneficiaries elect coverage through an online portal, according to their own documentation. One of the 7 COBRA administrators for enterprises does not publish it.
Which COBRA administrators for enterprises bill and collect COBRA premiums?
BPAS, COBRAGuard, CobraHelp, HealthEquity, Paycom, Rippling, and WEX bill qualified beneficiaries and collect their premiums, according to their own documentation.
Which COBRA administrators for enterprises send elections and terminations to insurance carriers?
BPAS, COBRAGuard, CobraHelp, HealthEquity, Paycom, and Rippling notify insurance carriers of elections, reinstatements and terminations, according to their own documentation. One of the 7 COBRA administrators for enterprises does not publish it.
How we research
This ranking of COBRA administration for enterprises reweights the LeadChange Score: capability coverage 30%, pricing transparency & value 10%, integrations & API 20%, security & compliance 25%, fit & support 5%, and data confidence 10%. Only products with a verified fact showing they serve this segment are listed.
How this page was made
What it is built from
17 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 8 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
- COBRAGuard cobraguard.net/pricing/dlpdf.php?Lives=0&Term=2“Base Charge Per COBRA Eligible Employee $1.50 $0.85”
- COBRAGuard cobraguard.net/pricing“Base Charge Per COBRA Eligible Employee $1.50 $0.85”
- BPAS bpas.com/employee-benefits/cobra“Simplify compliance and protect your business today by contacting at”
- HealthEquity healthequity.com/cobra“Schedule a demo”
- HealthEquity healthequity.com/security“Service Organization Controls (Soc2) (Type II) Trust Services Principles”
- CobraHelp mycobrahelp.com/about“We tailor our COBRA administration services to fit your needs, ensuring you only pay for what you need.”
- Rippling rippling.com/pricing“While most Rippling products are billed on a simple per-employee, per-month basis, some may be charged at (or include) a monthly basis fee.”
- Rippling rippling.com/trust/security“Rippling's SOC 2 Type 2 report covers the trust services categories of Security, Confidentiality, and Availability, and is audited annually.”