--- title: "COBRA Administration Best Practices: How to Avoid the COBRA Collection Blues" description: "COBRA billing and collection: Learn four COBRA administration best practices and how to coordinate with the ACA here." image: https://info.cobraguard.net/hs-fs/file-1513614234-jpg/images/cobra_collection_blues_-small.jpg --- - [Help/FAQs](https://www.cobraguard.net/help) - [Login](http://www.cobraguard.net/login) [![Cobraguard Blog](https://info.cobraguard.net/hs-fs/hubfs/ITEDIUM/CGlogo_itedium_blog.jpg?width=297&name=CGlogo_itedium_blog.jpg "Cobraguard Blog")](http://www.cobraguard.net/) [On-Demand COBRA Administration](http://www.cobraguard.net/) # What Could You Achieve ... If You Weren't Bogged Down by COBRA? # The COBRA Blog # COBRA Administration Best Practices: How to Avoid the COBRA Collection Blues Posted by [Robert Meyers](https://info.cobraguard.net/cobra-blog/author/robert-meyers) on Tue, Aug 26, 2014 @ 10:08 AM - [Tweet](https://twitter.com/share) ![COBRA-Collection](https://info.cobraguard.net/hs-fs/file-1513614234-jpg/images/cobra_collection_blues_-small.jpg)If you want to hear an employer sing the blues, bring up the topic of COBRA billing and collection. It’s a task that eats up precious time, and it can be a real challenge. No employer likes to be the “bad guy” when it comes to enforcing grace periods or terminating coverage when payments are missed. Nevertheless, billing and collection are just part of the gig when it comes to administering COBRA. So if you aren’t outsourcing the task, it’s important to make the process as efficient and painless as possible. **First off, timeliness is more crucial than ever. **With the Affordable Care Act taking center stage in health care over the past few years, the rules of the game have changed and there’s a highly orchestrated interplay between the ACA and COBRA that employers and employees need to be aware of. For example, COBRA participants have the option of replacing their COBRA coverage with Marketplace coverage – but there are specific guidelines: - **Upon a COBRA qualifying event:** The individual may be eligible for both COBRA coverage and Marketplace coverage. [See a full chart detailing qualifying events for both here.](https://info.cobraguard.net/COBRA-blog/bid/343370/How-to-Coordinate-COBRA-with-PPACA-as-Open-Enrollment-Ends)  - **COBRA plan dropped during open enrollment: **During the open enrollment period, COBRA recipients can drop their coverage and purchase a plan through the Marketplace, even if the COBRA coverage hasn’t run out.  - **COBRA plan expiration outside open enrollment: **If COBRA coverage expires outside the Marketplace open enrollment period, the participant may qualify for a special enrollment period and can enroll in a private health plan through the Marketplace. Participants may also qualify for tax credits that can lower their monthly premiums.  - **COBRA plan dropped outside open enrollment:** Any COBRA participant that voluntarily drops coverage outside the open enrollment period won’t be able to enroll in any Marketplace plan until the next open enrollment period. ***Note: ****The next open enrollment period for 2015 coverage is November 15, 2014 through February 15, 2015.* **Timely ****[COBRA notification](https://info.cobraguard.net/COBRA-blog/bid/353083/Coordinating-COBRA-and-PPACA-Communication-is-Key)**** is imperative as well. **With the ACA coming into play, it’s even more important for employers to notify their COBRA-qualified beneficiaries quickly and help them navigate the process so they don’t stretch out their COBRA eligibility period too long. It’s crucial for them to make sure their COBRA coverage doesn’t end before their new Marketplace plan starts, or they’ll have a gap in coverage. **Finally it’s important to know the ****[collection timelines](https://info.cobraguard.net/COBRA-blog/bid/346936/COBRA-and-Marketplace-Payment-Collection-Timing-is-Everything)**** involved with COBRA-ACA transition periods. **With COBRA administration, grace periods of 45 days for the first COBRA payment and 30 days for each subsequent payment continue to be the standard. Conversely, under the ACA, patients who buy health plans through the Marketplace have a 90-day grace period to get caught up on premium payments before coverage can be canceled. **One thing that that remains constant is the need for consistent COBRA administration best practices. Here are four to keep in mind:** 1. **Create a well-documented paper trail. **Provide COBRA participants with monthly invoices that clearly communicate the amount due and the end date of the 30-day grace period. 1. **Don’t accept late payments. **COBRA participants need to realize there is no grace period for the grace period. They’ll have to make their premium payments by the date on the invoice to keep their benefits.  1. **Use technology to send helpful payment reminders.** It’s not mandatory, but sending regular payment reminders by email, text, letter, phone, or automated message is a great way to keep it top of mind and prod the procrastinators.  1. **Offer more ways to pay.** Make it as easy and convenient as possible for COBRA participants to pay their premiums, including through ACH and credit card payments, PayPal, and automatic recurring payments. Of course, the best way to chase away the COBRA collection blues is to outsource your COBRA administration. With the new challenges of complying with the healthcare law, outsourcing can be a welcome relief for employers and HR professionals. To find out more, download our free report [In Search of ROO (Return on Outsourcing).](https://info.cobraguard.net/returnonoutsourcing/) Tags: [cobra administration](https://info.cobraguard.net/cobra-blog/topic/cobra-administration), [COBRA collection](https://info.cobraguard.net/cobra-blog/topic/cobra-collection), [COBRA qualifying event](https://info.cobraguard.net/cobra-blog/topic/cobra-qualifying-event), [COBRA notification](https://info.cobraguard.net/cobra-blog/topic/cobra-notification), [COBRA best practices](https://info.cobraguard.net/cobra-blog/topic/cobra-best-practices) [![describe the image](https://info.cobraguard.net/hs-fs/file-17837940-gif/images/cg-callout-breakup.gif)](https://info.cobraguard.net/how-to-choose-COBRA-admin/)[![describe the image](https://info.cobraguard.net/hs-fs/file-17838292-gif/images/cg-callout-potofgold.gif)](https://info.cobraguard.net/returnonoutsourcing/) ### Subscribe to the COBRAGuard Blog ### Latest Posts ### Posts by category - [2015 reporting requirements (1)](https://info.cobraguard.net/cobra-blog/topic/2015-reporting-requirements) - [29'ers and cobra (1)](https://info.cobraguard.net/cobra-blog/topic/2939ers-and-cobra) - [aca (6)](https://info.cobraguard.net/cobra-blog/topic/aca) - [aca and cobra (1)](https://info.cobraguard.net/cobra-blog/topic/aca-and-cobra) - [ACA broker fee proposals (1)](https://info.cobraguard.net/cobra-blog/topic/aca-broker-fee-proposals) - [ACA changes (2)](https://info.cobraguard.net/cobra-blog/topic/aca-changes) - [ACA changes to certificates of creditable coverage (1)](https://info.cobraguard.net/cobra-blog/topic/aca-changes-to-certificates-of-creditable-coverage) - [ACA compliance (3)](https://info.cobraguard.net/cobra-blog/topic/aca-compliance) - [aca developments (1)](https://info.cobraguard.net/cobra-blog/topic/aca-developments) - [ACA penalties (1)](https://info.cobraguard.net/cobra-blog/topic/aca-penalties) - [aca reporting (2)](https://info.cobraguard.net/cobra-blog/topic/aca-reporting) - [ACA reporting requirements (1)](https://info.cobraguard.net/cobra-blog/topic/aca-reporting-requirements) - [aca safe harbor (1)](https://info.cobraguard.net/cobra-blog/topic/aca-safe-harbor) - [ACA subsidy (1)](https://info.cobraguard.net/cobra-blog/topic/aca-subsidy) - [aca transition relief (1)](https://info.cobraguard.net/cobra-blog/topic/aca-transition-relief) - [aca update (6)](https://info.cobraguard.net/cobra-blog/topic/aca-update) - [affordable care act (15)](https://info.cobraguard.net/cobra-blog/topic/affordable-care-act) - [affordable care act and cobra (1)](https://info.cobraguard.net/cobra-blog/topic/affordable-care-act-and-cobra) - [affordable care act compliance (1)](https://info.cobraguard.net/cobra-blog/topic/affordable-care-act-compliance) - [Affordable Care Act update (6)](https://info.cobraguard.net/cobra-blog/topic/affordable-care-act-update) - [affordable care act updates (1)](https://info.cobraguard.net/cobra-blog/topic/affordable-care-act-updates) - [age 26 rule (1)](https://info.cobraguard.net/cobra-blog/topic/age-26-rule) - [ahp changes (1)](https://info.cobraguard.net/cobra-blog/topic/ahp-changes) - [Association Health Plan (1)](https://info.cobraguard.net/cobra-blog/topic/association-health-plan) - [association health plan changes (1)](https://info.cobraguard.net/cobra-blog/topic/association-health-plan-changes) - [benefit campaigns (1)](https://info.cobraguard.net/cobra-blog/topic/benefit-campaigns) - [benefits administration (5)](https://info.cobraguard.net/cobra-blog/topic/benefits-administration) - [benefits administration outsourcing (1)](https://info.cobraguard.net/cobra-blog/topic/benefits-administration-outsourcing) - [benefits communication (1)](https://info.cobraguard.net/cobra-blog/topic/benefits-communication) - [billing reconciliation (1)](https://info.cobraguard.net/cobra-blog/topic/billing-reconciliation) - [Cadillac tax (1)](https://info.cobraguard.net/cobra-blog/topic/cadillac-tax) - [census (1)](https://info.cobraguard.net/cobra-blog/topic/census) - [certificate of creditable coverage (2)](https://info.cobraguard.net/cobra-blog/topic/certificate-of-creditable-coverage) - [certificates of creditable coverage (2)](https://info.cobraguard.net/cobra-blog/topic/certificates-of-creditable-coverage) - [changes to certificates of creditable coverage (1)](https://info.cobraguard.net/cobra-blog/topic/changes-to-certificates-of-creditable-coverage) - [Choose a COBRA Administrator (1)](https://info.cobraguard.net/cobra-blog/topic/choose-a-cobra-administrator) - [cobra (10)](https://info.cobraguard.net/cobra-blog/topic/cobra) - [cobra administration (71)](https://info.cobraguard.net/cobra-blog/topic/cobra-administration) - [COBRA administration mistakes (4)](https://info.cobraguard.net/cobra-blog/topic/cobra-administration-mistakes) - [COBRA administration outsourcing (3)](https://info.cobraguard.net/cobra-blog/topic/cobra-administration-outsourcing) - [COBRA administration partner (3)](https://info.cobraguard.net/cobra-blog/topic/cobra-administration-partner) - [COBRA administration program (2)](https://info.cobraguard.net/cobra-blog/topic/cobra-administration-program) - [COBRA administration services (2)](https://info.cobraguard.net/cobra-blog/topic/cobra-administration-services) - [cobra administration tips (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-administration-tips) - [cobra administrator (7)](https://info.cobraguard.net/cobra-blog/topic/cobra-administrator) - [cobra and aca (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-and-aca) - [cobra and aca eligibility (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-and-aca-eligibility) - [cobra and divorce (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-and-divorce) - [COBRA and Medicare (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-and-medicare) - [cobra and voluntary benefits (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-and-voluntary-benefits) - [COBRA beneficiary is incapacitated (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-beneficiary-is-incapacitated) - [COBRA benefit (3)](https://info.cobraguard.net/cobra-blog/topic/cobra-benefit) - [cobra benefits (2)](https://info.cobraguard.net/cobra-blog/topic/cobra-benefits) - [COBRA benefits for same-sex spouses (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-benefits-for-same-sex-spouses) - [COBRA best practice (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-best-practice) - [COBRA best practices (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-best-practices) - [cobra blog (15)](https://info.cobraguard.net/cobra-blog/topic/cobra-blog) - [cobra bob (3)](https://info.cobraguard.net/cobra-blog/topic/cobra-bob) - [COBRA bookkeeping (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-bookkeeping) - [COBRA collection (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-collection) - [cobra communication (3)](https://info.cobraguard.net/cobra-blog/topic/cobra-communication) - [COBRA compliance (9)](https://info.cobraguard.net/cobra-blog/topic/cobra-compliance) - [COBRA continuation (2)](https://info.cobraguard.net/cobra-blog/topic/cobra-continuation) - [cobra continuation coverage (2)](https://info.cobraguard.net/cobra-blog/topic/cobra-continuation-coverage) - [cobra continuation coverage election notices (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-continuation-coverage-election-notices) - [COBRA continuing education (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-continuing-education) - [cobra conundrums (12)](https://info.cobraguard.net/cobra-blog/topic/cobra-conundrums) - [cobra coordination (2)](https://info.cobraguard.net/cobra-blog/topic/cobra-coordination) - [cobra coverage (7)](https://info.cobraguard.net/cobra-blog/topic/cobra-coverage) - [cobra developments (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-developments) - [cobra disability extension benefits (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-disability-extension-benefits) - [COBRA during a merger (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-during-a-merger) - [COBRA during divorce (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-during-divorce) - [COBRA during mergers and acquisitions (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-during-mergers-and-acquisitions) - [COBRA early termination notices (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-early-termination-notices) - [COBRA education (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-education) - [COBRA efficiency (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-efficiency) - [cobra eligibility (3)](https://info.cobraguard.net/cobra-blog/topic/cobra-eligibility) - [COBRA eligibility at age 26 (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-eligibility-at-age-26) - [cobra eligible workers (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-eligible-workers) - [cobra enrollment window (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-enrollment-window) - [cobra for public entities (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-for-public-entities) - [COBRA for voluntary benefits (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-for-voluntary-benefits) - [cobra guard (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-guard) - [COBRA guidelines (5)](https://info.cobraguard.net/cobra-blog/topic/cobra-guidelines) - [COBRA guidlines (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-guidlines) - [COBRA Implications of Marriage and Divorce (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-implications-of-marriage-and-divorce) - [COBRA ineligibility for gross misconduct (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-ineligibility-for-gross-misconduct) - [cobra info. (2)](https://info.cobraguard.net/cobra-blog/topic/cobra-info) - [COBRA leave of absence (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-leave-of-absence) - [COBRA merger and acquisition rules (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-merger-and-acquisition-rules) - [COBRA mistake (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-mistake) - [cobra mistakes (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-mistakes) - [cobra non-compliance (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-non-compliance) - [COBRA notice (3)](https://info.cobraguard.net/cobra-blog/topic/cobra-notice) - [cobra notices (8)](https://info.cobraguard.net/cobra-blog/topic/cobra-notices) - [COBRA notification (2)](https://info.cobraguard.net/cobra-blog/topic/cobra-notification) - [COBRA option (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-option) - [COBRA options for plan sponsors (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-options-for-plan-sponsors) - [COBRA outsourcing (9)](https://info.cobraguard.net/cobra-blog/topic/cobra-outsourcing) - [COBRA outsourcing COBRA administration (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-outsourcing-cobra-administration) - [cobra overpayment (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-overpayment) - [COBRA participants (4)](https://info.cobraguard.net/cobra-blog/topic/cobra-participants) - [COBRA participation (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-participation) - [cobra payment (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-payment) - [COBRA payment collection (2)](https://info.cobraguard.net/cobra-blog/topic/cobra-payment-collection) - [COBRA policies (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-policies) - [cobra qualifying (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-qualifying) - [COBRA qualifying event (5)](https://info.cobraguard.net/cobra-blog/topic/cobra-qualifying-event) - [cobra qualifying events (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-qualifying-events) - [cobra qualifying plans (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-qualifying-plans) - [COBRA questions (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-questions) - [COBRA software (8)](https://info.cobraguard.net/cobra-blog/topic/cobra-software) - [COBRA solution (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-solution) - [COBRA solutions (7)](https://info.cobraguard.net/cobra-blog/topic/cobra-solutions) - [cobra special enrollment (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-special-enrollment) - [COBRA status (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-status) - [COBRA system (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-system) - [COBRA training (4)](https://info.cobraguard.net/cobra-blog/topic/cobra-training) - [cobra webinars (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-webinars) - [COBRA when fired for gross misconduct (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-when-fired-for-gross-misconduct) - [cobraguard (3)](https://info.cobraguard.net/cobra-blog/topic/cobraguard) - [COBRAGuard blog (1)](https://info.cobraguard.net/cobra-blog/topic/cobraguard-blog) - [corporate downsizing (1)](https://info.cobraguard.net/cobra-blog/topic/corporate-downsizing) - [cost of health care (1)](https://info.cobraguard.net/cobra-blog/topic/cost-of-health-care) - [cost of health reform (1)](https://info.cobraguard.net/cobra-blog/topic/cost-of-health-reform) - [creditable coverage (1)](https://info.cobraguard.net/cobra-blog/topic/creditable-coverage) - [direct billing (1)](https://info.cobraguard.net/cobra-blog/topic/direct-billing) - [direct billing administration (1)](https://info.cobraguard.net/cobra-blog/topic/direct-billing-administration) - [eligibility and enrollment (1)](https://info.cobraguard.net/cobra-blog/topic/eligibility-and-enrollment) - [eligibility and enrollment platform (1)](https://info.cobraguard.net/cobra-blog/topic/eligibility-and-enrollment-platform) - [eligibility and enrollment software (1)](https://info.cobraguard.net/cobra-blog/topic/eligibility-and-enrollment-software) - [employee appreciation (1)](https://info.cobraguard.net/cobra-blog/topic/employee-appreciation) - [employee benefit brokers (1)](https://info.cobraguard.net/cobra-blog/topic/employee-benefit-brokers) - [employer compliance (1)](https://info.cobraguard.net/cobra-blog/topic/employer-compliance) - [employer mandate (6)](https://info.cobraguard.net/cobra-blog/topic/employer-mandate) - [employer mandate guidance (1)](https://info.cobraguard.net/cobra-blog/topic/employer-mandate-guidance) - [employer notifications (1)](https://info.cobraguard.net/cobra-blog/topic/employer-notifications) - [enrollment communication strategy (1)](https://info.cobraguard.net/cobra-blog/topic/enrollment-communication-strategy) - [Essential Health Benefits (1)](https://info.cobraguard.net/cobra-blog/topic/essential-health-benefits) - [exchange notices (1)](https://info.cobraguard.net/cobra-blog/topic/exchange-notices) - [exchanges impact on COBRA benefits (1)](https://info.cobraguard.net/cobra-blog/topic/exchanges-impact-on-cobra-benefits) - [flex administration (1)](https://info.cobraguard.net/cobra-blog/topic/flex-administration) - [flexible spending accounts (1)](https://info.cobraguard.net/cobra-blog/topic/flexible-spending-accounts) - [fsa (1)](https://info.cobraguard.net/cobra-blog/topic/fsa) - [FSA contributions (1)](https://info.cobraguard.net/cobra-blog/topic/fsa-contributions) - [fsa under cobra (2)](https://info.cobraguard.net/cobra-blog/topic/fsa-under-cobra) - [gross misconduct (1)](https://info.cobraguard.net/cobra-blog/topic/gross-misconduct) - [group benefits (1)](https://info.cobraguard.net/cobra-blog/topic/group-benefits) - [group health insurance (1)](https://info.cobraguard.net/cobra-blog/topic/group-health-insurance) - [health benefit costs (1)](https://info.cobraguard.net/cobra-blog/topic/health-benefit-costs) - [health benefit update (1)](https://info.cobraguard.net/cobra-blog/topic/health-benefit-update) - [health care costs (1)](https://info.cobraguard.net/cobra-blog/topic/health-care-costs) - [health care in the u.s. (1)](https://info.cobraguard.net/cobra-blog/topic/health-care-in-the-us) - [Health care premiums (1)](https://info.cobraguard.net/cobra-blog/topic/health-care-premiums) - [health care reform (4)](https://info.cobraguard.net/cobra-blog/topic/health-care-reform) - [health care reform compliance (1)](https://info.cobraguard.net/cobra-blog/topic/health-care-reform-compliance) - [health care strategy (1)](https://info.cobraguard.net/cobra-blog/topic/health-care-strategy) - [health exchange (1)](https://info.cobraguard.net/cobra-blog/topic/health-exchange) - [health insurance (3)](https://info.cobraguard.net/cobra-blog/topic/health-insurance) - [health insurance guidance (1)](https://info.cobraguard.net/cobra-blog/topic/health-insurance-guidance) - [health insurance marketplace (2)](https://info.cobraguard.net/cobra-blog/topic/health-insurance-marketplace) - [health plan IRS reporting (1)](https://info.cobraguard.net/cobra-blog/topic/health-plan-irs-reporting) - [health premium reimbursement (1)](https://info.cobraguard.net/cobra-blog/topic/health-premium-reimbursement) - [Health reform (5)](https://info.cobraguard.net/cobra-blog/topic/health-reform) - [health reform compliance (1)](https://info.cobraguard.net/cobra-blog/topic/health-reform-compliance) - [health reform cost (1)](https://info.cobraguard.net/cobra-blog/topic/health-reform-cost) - [health reform news (1)](https://info.cobraguard.net/cobra-blog/topic/health-reform-news) - [health reform update (3)](https://info.cobraguard.net/cobra-blog/topic/health-reform-update) - [health savings accounts and COBRA administration (1)](https://info.cobraguard.net/cobra-blog/topic/health-savings-accounts-and-cobra-administration) - [healthcare costs (1)](https://info.cobraguard.net/cobra-blog/topic/healthcare-costs) - [healthcare exchange income verification (1)](https://info.cobraguard.net/cobra-blog/topic/healthcare-exchange-income-verification) - [healthcare reform (4)](https://info.cobraguard.net/cobra-blog/topic/healthcare-reform) - [hipaa certificates of creditable coverage (1)](https://info.cobraguard.net/cobra-blog/topic/hipaa-certificates-of-creditable-coverage) - [holiday party (1)](https://info.cobraguard.net/cobra-blog/topic/holiday-party) - [holiday risk management (1)](https://info.cobraguard.net/cobra-blog/topic/holiday-risk-management) - [how COBRA works with HSAs (1)](https://info.cobraguard.net/cobra-blog/topic/how-cobra-works-with-hsas) - [hr best practices (3)](https://info.cobraguard.net/cobra-blog/topic/hr-best-practices) - [HR issues (13)](https://info.cobraguard.net/cobra-blog/topic/hr-issues) - [hr strategies (1)](https://info.cobraguard.net/cobra-blog/topic/hr-strategies) - [hr tips (1)](https://info.cobraguard.net/cobra-blog/topic/hr-tips) - [hsa (1)](https://info.cobraguard.net/cobra-blog/topic/hsa) - [HSAs and COBRA administration (2)](https://info.cobraguard.net/cobra-blog/topic/hsas-and-cobra-administration) - [IM Solutions (1)](https://info.cobraguard.net/cobra-blog/topic/im-solutions) - [individual mandate (2)](https://info.cobraguard.net/cobra-blog/topic/individual-mandate) - [insurance tax credits (1)](https://info.cobraguard.net/cobra-blog/topic/insurance-tax-credits) - [irs notice 2015-17 (1)](https://info.cobraguard.net/cobra-blog/topic/irs-notice-2015-17) - [labor audits (1)](https://info.cobraguard.net/cobra-blog/topic/labor-audits) - [leaves of absence (1)](https://info.cobraguard.net/cobra-blog/topic/leaves-of-absence) - [limited cobra (1)](https://info.cobraguard.net/cobra-blog/topic/limited-cobra) - [marketplace payment collection (1)](https://info.cobraguard.net/cobra-blog/topic/marketplace-payment-collection) - [marketplace plan (1)](https://info.cobraguard.net/cobra-blog/topic/marketplace-plan) - [Marketplace subsidy (1)](https://info.cobraguard.net/cobra-blog/topic/marketplace-subsidy) - [marketplace update (1)](https://info.cobraguard.net/cobra-blog/topic/marketplace-update) - [medical cost trend (1)](https://info.cobraguard.net/cobra-blog/topic/medical-cost-trend) - [Medicare (1)](https://info.cobraguard.net/cobra-blog/topic/medicare) - [mini COBRA (1)](https://info.cobraguard.net/cobra-blog/topic/mini-cobra) - [mini COBRA laws (1)](https://info.cobraguard.net/cobra-blog/topic/mini-cobra-laws) - [minimal essential coverage (1)](https://info.cobraguard.net/cobra-blog/topic/minimal-essential-coverage) - [minimum essential coverage (1)](https://info.cobraguard.net/cobra-blog/topic/minimum-essential-coverage) ### Follow Us - [Copyright ](https://info.cobraguard.net/COBRA-blog/bid/353985/COBRA-Administration-Best-Practices-How-to-Avoid-the-COBRA-Collection-Blues#)[© 2003 - 2016 iTedium](https://info.cobraguard.net/COBRA-blog/bid/353985/COBRA-Administration-Best-Practices-How-to-Avoid-the-COBRA-Collection-Blues#) - [Terms of Use](https://www.cobraguard.net/terms) - [Privacy Policy](https://www.cobraguard.net/privacy)