CoBRA Compliance

More than a checkbox

Don't just pay for documents. Turn COBRA into an off-boarding experience that saves time and money.

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An image of a woman broker, smiling confidently into the camera.An image of two brokers, at an office table talking and smiling.

Navigating COBRA gets complex. Whether it's state or federal continuation, every departing employee gets personalized support.

Revolutionary TPA services

Most brokers use traditional TPAs for COBRA. We provide off-boarding solutions. We'll get you set up faster than you can say "Consolidated Omnibus Budget Reconciliation Act."

Expertise and compliance

Our attorneys and compliance pros are COBRA experts. We provide reliable, accurate off-boarding. You'll see greater value than with any other COBRA administrator.

Comprehensive support

We provide the support administrators should have given all along. Our licensed folks help employees make better decisions about COBRA by making all of their options accessible.

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YOUR CLIENTS save money

Lower renewal costs

Kaiser Family Foundation found that the average annual spend for COBRA participants is almost double that of other enrollees. They're also more likely to have multiple chronic conditions. Since we provide COBRA, Medicaid, Medicare, and Marketplace comparisons and make it easy to enroll in them, the result is lower COBRA participation. That typically means lower renewal costs for your clients.

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An image of the Kept dashboard, showing how we help employees pick the best health coverage plan for them and their families.
An image of the Kept dashboard, showing how we help employees finding the best options for their health coverage plan.
simplify

Integrations that make your life easier

We work with the benefits administration systems that are important to you and your clients, making it easy to put COBRA on auto-pilot.

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reduce headaches

COBRA subsidies can be a headache. We make it easy.

If you've ever had an employer ask you to help with subsidies, calculating lump sum payments, determining tax withholdings, etc. you understand.

An image of the Kept dashboard, showing how you can customize and choose direct subsidies for off-boarding employees.An image of a Kept employee off-boarding guide.An image of the Kept app, showing how we automate personalized recommendations for departing employee health coverage.
An image of the Kept dashboard, showing how you can customize and choose direct subsidies for off-boarding employees.

Automate subsidies for departing employees

Instead of lump sum payments subject to payroll taxes, we make it easy to provide direct subsidies only to those who elect COBRA. Employers get the tax advantages they're used to. If departing employees find a job with insurance, they usually terminate COBRA and subsidies resulting in even bigger savings. Employees also get the advantage of a special enrollment period when the subsidy runs out, buying them time to find better coverage. Kept handles all of this without you or the employer doing any extra work.

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Customized off-boarding docs for employers

Instead of walking into exit interviews with twelve page COBRA documents that provide little support, employers can generate customized exit documents that introduce departing employees to their off-boarding advisor. These documents also include COBRA details specific to the employee. Employers can designate subsidies on an individual basis and the document will account for all of this, explaining subsides clearly to each employee.

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Review of options when subsidies end for employees

We don't abandon employees after their initial COBRA decision. If they elect COBRA, we engage them each time they qualify to make changes in the Marketplace. If their subsidy ends or Marketplace open enrollment starts, we'll reach out and help them analyze options again. If they qualify for something more affordable or that's just a better fit than COBRA for their needs (which is often the case), we help them understand options and make it easy to enroll.

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Get in touch for a demo and pricing

Discover how our unique solutions can change your offering as a broker and make you look like a hero to your clients.

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