ACA Support You Know. COBRA Support You Need.

You already rely on Sterling Administration for ACA support. Now, extend that same trusted relationship into COBRA administration with a partner that understands compliance, timelines, and the day-to-day demands.

Adding COBRA with us means:

Coordinated data, less work for you. Your Qualified Beneficiary enrollment and premium details are shared with your ACA specialist, , reducing back-and-forth and manual touchpoints on your end.
DOL penalty exposure, eliminated. COBRA notice failures run up to $110 per qualified beneficiary per day under ERISA, plus $100/day excise tax under IRC §4980B. Sterling delivers initial notices within the 90-day statutory window and election notices within 14 days — with documented proof of mailing. As with ACA, you can trust our compliance experts to limit your risk.
One partner, one standard of service. Your team and your participants get the same level of support, communication, and responsiveness across both ACA and COBRA. No inconsistency, no vendor juggling.

Ready to simplify COBRA administration with a partner you already trust?

See how Sterling can help reduce complexity, improve coordination, and support your compliance process with confidence.

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Why Choose Sterling Administration?

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years of experience in administering account-based programs.

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companies trust Sterling Administration for their health benefit services.

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end-users manage their benefits with Sterling Administration.

Discover what both our customers and employees are saying about their experiences with us — unfiltered and unforgettable.

Frequently Asked Questions

We already have a COBRA vendor. Is switching realistic?

Transition support is included. Sterling handles runoff claims, participant migration, and open-notice continuity to ensure there are no coverage gaps. Most clients make the switch mid-year without disruption to active participants.

Our broker or payroll provider already bundles COBRA. Why would we use a separate administrator?

Bundled COBRA is typically managed by a system optimized for payroll or brokerage workflows — not for ERISA compliance. Specialized administrators maintain dedicated notice tracking, documented proof-of-mailing, and compliance calendars that general platforms often lack.

We administer COBRA in-house. What's the case for outsourcing?

One missed 60-day election notice deadline creates a liability of up to $110 per qualified beneficiary per day under ERISA. The staff hours required to track qualifying events, generate notices, manage elections, and collect premiums across even a modest employee population add up quickly. Sterling replaces that administrative burden with a dedicated compliance team.

Is this the right time to make a change?

Mid-year transitions are our most common onboarding scenario. Sterling syncs to your plan year and existing carrier structure — not the other way around. If your current arrangement has gaps, there's no compliance benefit to waiting.