P&A Group, a national leader in third-party benefits administration for 50 years, today announced a strategic reseller partnership with When Insurance, the AI-powered workforce transitions platform. Through the agreement, P&A Group will offer When’s healthcare transition solutions to its employer clients, enabling them to reduce COBRA-related claims costs while providing departing employees with personalized, affordable coverage alternatives.

For self-funded employers, COBRA continuation coverage is one of the most expensive and least understood cost drivers in their benefits programs. Departing employees who elect COBRA generate claims costs two to three times higher than active employees, directly impacting medical loss ratios and plan renewal rates. By integrating When’s platform into its service offering, P&A Group is now positioned to help clients address this hidden cost center while delivering a better experience for employees navigating career transitions.

“For 50 years, P&A Group has been committed to finding innovative solutions that help our clients get the most value from their benefits programs,” said Brian Crawford, President of P&A Group. “When’s AI-powered marketplace is a natural extension of the COBRA administration services we already provide. Now, instead of simply managing the compliance side of COBRA, we can help our clients proactively reduce costs and give their departing employees a better path forward. That’s the kind of value our clients expect from us.”

When’s platform uses an AI-powered benefits assistant, Jamie, to guide eligible employees through personalized marketplace alternatives to COBRA. Rather than defaulting to costly COBRA continuation—which can exceed $2,000 per month for family coverage—employees receive tailored guidance to find plans that fit their needs and budgets. Employers using When have reported up to 80% savings on COBRA-related claims costs and 92% employee satisfaction with the experience.

The partnership creates a seamless experience for P&A Group’s employer clients. As a trusted COBRA administrator already managing the compliance, eligibility, and notification requirements for its clients, P&A Group is uniquely positioned to introduce When’s transition support at the precise moment it matters most—when an employee is leaving and making critical healthcare decisions.  Steve Brostko, P&A Group’s VP of Sales & Marketing relays “Employer clients and brokers have come to us asking, ‘are there any innovative options for rising COBRA claims?’ We’re excited to offer the When solution to COBRA clients, which will facilitate cost containment and provide high customer experience satisfaction.”

“P&A Group has built a reputation over five decades for putting their clients first, and that’s exactly the kind of partner we look for,” said Andy Hamilton, Co-Founder and CEO of When. “Their deep expertise in COBRA administration and their trusted relationships with employers across the country make them an ideal partner to deliver When’s solutions. Together, we’re helping P&A Group’s clients turn one of their biggest hidden cost centers into a competitive advantage.”

The partnership is effective immediately, with When’s solutions available to P&A Group’s employer clients nationwide. Employers and benefits advisors interested in learning more can contact P&A Group directly at https://padmin.com/contact-sales/.