CobraHelp Review
CobraHelp is a Denver COBRA administrator, founded in 1984, that runs federal COBRA and state continuation for small businesses through multi-state corporations, with an Employee Navigator integration.
Best for
- Small employers that also need mini-COBRA state continuation handled
- Employee Navigator users that want event data synced to their COBRA administrator
- Brokers that want one COBRA partner for clients of different sizes
Not ideal for
- Buyers who want a published price before a call
How we evaluated CobraHelp
This review rests on the 14 facts this page shows, each checked against the source listed under “Sources”, most recently on . We did not test the product hands-on: the score uses only those verified facts, as our methodology explains; third-party ratings, where we quote them, never count in the score.
Our verdict
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. It is less suited to buyers who want published fees or a participant mobile app.
Strengths
Federal and state continuation
Federal COBRA and mini-COBRA administration from one provider.
Evidence
Modules: Federal COBRA administration, State continuation administration, Retiree and direct billing, FMLA billing assistance, Leave of absence compliance, ACA and ERISA compliance2
Employee Navigator integration
HR data syncs from Employee Navigator.
Evidence: Notable integrations: Employee Navigator1
Dedicated account managers
Direct service from a named account manager rather than a call center.
Evidence
Key features: Focus on COBRA and continuation coverage only, Dedicated account managers, no call center, Employee Navigator integration, EDI coordination with carriers and vendors, Colorado mini-COBRA administration for employers under 20 employees1
COBRA since 1986
Focused on COBRA and continuation coverage since the law took effect.
Evidence: Founded: 19842
Price at a glance
Quick answers
- How much does CobraHelp cost?
- CobraHelp publishes no fees: it tailors each COBRA service and says you only pay for what you need, so prices come by quote.Based on Pricing model: Quote only2
- Does CobraHelp handle state continuation (mini-COBRA)?
- Yes. It runs full-service mini-COBRA administration for employers under 20 employees, from notices to billing and premium collection, including Colorado plans.Based on State continuation administration: Yes5
- Does CobraHelp integrate with Employee Navigator?
- Yes. CobraHelp integrates with Employee Navigator so HR data syncs to its COBRA platform, and it offers to integrate with other platforms on request.Based on Notable integrations: Employee Navigator1
- How long has CobraHelp administered COBRA?
- Since 1986: founded in Denver in 1984 as an insurance brokerage, it moved to COBRA administration when the law took effect.Based on Founded: 19842
Coverage of core COBRA administration capabilities
Each core capability we evaluate in COBRA Administration, checked against CobraHelp’s own documentation. “Not verified yet” means we have not confirmed it either way, not that it is missing.
9 verified of 10 core capabilities
Specifications
CobraHelp integrations
Native integrations
Where it ranks
- #6 of 6 scoredCOBRA Administration
- #1 of 2 scoredCOBRA Administration for Construction
- #4 of 5 scoredCOBRA Administration for Enterprises
- #1 of 2 scoredCOBRA Administration for Manufacturing
- #5 of 5 scoredCOBRA Administration for Mid-Sized Companies
- #5 of 5 scoredCOBRA Administration for Small Business
CobraHelp alternatives
BPAS
HealthEquity
WEX
COBRAGuard80% similar
Ameriflex70% similar
Employee Benefits Corporation70% similar
Support
About CobraHelp
Official profiles
CobraHelp: frequently asked questions
Which employers does CobraHelp work with?
Small businesses through multi-state corporations, plus benefits brokers and TPAs, with pages for construction, manufacturing, property management, technology and transportation companies.
What are CobraHelp support hours?
Monday to Thursday 7:30 AM to 4:30 PM and Friday 8:00 AM to 2:00 PM, by toll-free phone or email, with a dedicated account manager.
What is CobraHelp used for?
CobraHelp, on the market since 1984, is a COBRA administration product built for small businesses, mid-market companies, and enterprises. Its modules include Federal COBRA administration, State continuation administration, Retiree and direct billing, FMLA billing assistance, Leave of absence compliance, and ACA and ERISA compliance.
Is CobraHelp legit?
CobraHelp is sold by the company of the same name, which was founded in 1984 and is headquartered in Denver, CO, US.
What are the best alternatives to CobraHelp?
In our COBRA administration ranking, the highest-scored products other than CobraHelp are COBRAGuard, BPAS, and Ameriflex. Compared side by side, by reason to switch: CobraHelp alternatives.
What are the pros and cons of CobraHelp?
Strengths documented on the vendor’s own pages: federal and state continuation, employee Navigator integration, and dedicated account managers. It is less suited to buyers who want a published price before a call.
How this page was made
What it is built from
14 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 1.5. Read the methodology
Independent review
Not reviewed yet by our independent reviewer. How we review
Hands-on testing
We have not tested CobraHelp 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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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.
How we make money
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.
CobraHelpLeadChange Score 5.2
Sources
The 7 pages this page's facts come from. The date beside each is our last check of the facts taken from it (the oldest, when they differ). The numbers beside the figures above link here.
Quotes from the sources
- CobraHelp mycobrahelp.com/services/cobra-administration“Whether you manage COBRA for a small business or a multi-state corporation, we adapt to your specific needs.” “Our platform offers seamless integration with Employee Navigator, ensuring your HR data syncs automatically and accurately across systems.”
- CobraHelp mycobrahelp.com/about“We tailor our COBRA administration services to fit your needs, ensuring you only pay for what you need.” “Federal COBRA Compliance & Administration State Continuation Compliance (Mini-COBRA) Retiree & Direct Billing Services FMLA Billing Assistance HIPAA Compliance Support Leave of Absence Compliance Affordable Care Act (ACA) & ERISA Compliance”
- CobraHelp mycobrahelp.com/who-we-help/small-businesses“Discuss Your COBRA Requirements”
- CobraHelp mycobrahelp.com/contact“Mon: 7:30AM to 4:30PM” “(800) 398-2946 – toll free”
- CobraHelp mycobrahelp.com/services/state-continuation-administration
- CobraHelp mycobrahelp.com/who-we-help/brokers
- CobraHelp mycobrahelp.com/who-we-help/construction-companies“CobraHelp provides COBRA administration for construction employers”
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