COBRA Administration
Best COBRA Administration for Mid-Sized Companies
Mid-market employers have steady turnover, several carriers and HR teams that cannot track every election window by hand. The administrator has to take events from payroll or HR systems automatically and keep each carrier in step with elections, payments and terminations.
- products that fit
- 7
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Top 5 by LeadChange Scoreof 7 that fit · 2 not scored yet · scored for mid-sized companies (reweighted)
COBRAGuard9.6 out of 10, High confidence
BPAS6.8 out of 10, High confidence
HealthEquity5.4 out of 10, High confidence
Rippling5.0 out of 10, Medium confidence
CobraHelp4.7 out of 10, High confidence
PaycomNot scored yet
WEXNot scored yet
See the full rankingHighMedium confidence
COBRA administration for mid-sized companies, 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.
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.
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 only8
Show all 7 products
- PaycomNot scored yet (12 of 21 facts verified)What Paycom costs
- WEXNot scored yet (9 of 21 facts verified)WEX pricing
LeadChange Score: editorial assessment based on public information.
What matters for mid-sized companies
Automatic event feeds
The employer's window to tell the plan about a qualifying event is short and easy to miss when terminations travel by email. A feed from payroll or the HR system starts each notice on time.
Carrier eligibility files
Each carrier must learn about elections, reinstatements and terminations without manual calls, or former employees end up covered by one carrier and dropped by another.
Online elections and payments
Qualified beneficiaries who can elect and pay online miss fewer deadlines, and the administrator posts fewer paper checks by hand.
Paid-through reporting
Finance needs to reconcile the premiums collected with each carrier invoice and see who is paid through which date.
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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 enterprises
The ranking reweighted for enterprises.
- 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 a mid-market company look for in a COBRA administrator?
Automatic event feeds from payroll or the HR system, carrier eligibility files, online elections and premium payments for former employees, and paid-through reports finance can reconcile with carrier invoices. Ask how each deadline is tracked and who answers participants' calls.
How should a mid-market company report qualifying events to its COBRA administrator?
Through a scheduled file or a connection from payroll or the HR system, rather than email. The employer must notify the plan within 30 days of a termination or reduction in hours, and the plan then has 14 days to send the election notice, so a missed email can cost both deadlines.
When should a mid-market company outsource COBRA administration?
When departures are steady enough that someone tracks election windows, premium payments and grace periods every week, or when the company runs plans with several carriers. Election periods of at least 60 days and first payments due at least 45 days after election keep each former employee open for months.
How do mid-market employers keep carriers in step with COBRA elections?
By asking the administrator for carrier eligibility updates: it tells each carrier about elections, reinstatements after late payments are cured, and terminations when coverage ends. Without them, a former employee can be billed by the administrator while the carrier shows no coverage, or keep coverage after the paid-through date.
What is the best COBRA administration for mid-sized companies?
On the LeadChange Score weighted for mid-sized companies, the highest-scoring of the 5 products with a published score are COBRAGuard (9.6/10), BPAS (6.8), and HealthEquity (5.4).
Which COBRA administrators for mid-sized companies offer a free trial?
COBRAGuard and Rippling list a free trial, according to their vendors: 2 of the 7 products for mid-sized companies.
Which COBRA administrators for mid-sized companies have a mobile app?
BPAS, HealthEquity, Paycom, and Rippling confirm a mobile app; 3 of the 7 products for mid-sized companies do not document one.
Which COBRA administrators for mid-sized companies support single sign-on?
Paycom and Rippling document single sign-on; 5 of the 7 products for mid-sized companies do not.
How we research
This ranking of COBRA administration for mid-sized companies reweights the LeadChange Score: capability coverage 25%, pricing transparency & value 30%, integrations & API 10%, security & compliance 10%, fit & support 15%, 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
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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”
- 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.”
- CobraHelp mycobrahelp.com/about“We tailor our COBRA administration services to fit your needs, ensuring you only pay for what you need.”