Those convenience fees on your COBRA payments could be worth investigating.
If you paid convenience fees when making online COBRA payments within the past three years, you may qualify to join a COBRA convenience fee lawsuit investigation.
What to know about the COBRA convenience fee lawsuit
- Core Issue: Attorneys are investigating whether Vita, BRI, Insperity and other COBRA administrators unlawfully charged convenience fees to consumers who were making COBRA payments online. The investigation is examining whether these fees exceeded federal limits or were not adequately disclosed.
- Who it Affects: Consumers nationwide who paid online COBRA convenience fees within the past three years.
- Harm/Impact: Affected individuals may have paid excessive fees on top of already expensive COBRA premiums.
- Legal Status: Attorneys are currently investigating potential legal claims related to these fees.
- Take Action: Complete the form on this page to find out if you may qualify to participate in a COBRA lawsuit investigation.
What is the COBRA convenience fee lawsuit about?
When consumers make online payments to maintain their COBRA health insurance, some administrators charge additional fees to process those payments. These charges, often called convenience fees or online payment processing fees, can increase the amount consumers pay for their COBRA health insurance.
Federal law generally limits COBRA premiums to 102% of the cost of coverage, which includes a 2% administrative fee. Attorneys are investigating whether additional payment processing fees violate these limits.
The investigation is examining whether:
- Consumers were charged additional fees when making COBRA premium payments online through some COBRA administrators
- These fees were charged in addition to the administrative fees already included in COBRA premiums
- The additional charges caused consumers to pay more than federal law permits
- Consumers received adequate information about the COBRA fees before completing their payments
Consumers who paid these fees within the past three years may have been overcharged and could qualify to pursue compensation through a COBRA lawsuit.
Who qualifies for the COBRA lawsuit?
You may qualify for a COBRA convenience fee lawsuit if the following apply:
- You made COBRA premium payments online through Vita, BRI, Insperity or another COBRA administrator
- You were charged a convenience fee, online payment processing fee or similar fee when making those payments
- You paid at least one of these COBRA fees within the past three years
Time limits may apply. Do not wait to check whether you may qualify.
Legally reviewed by: Sophia Gold
Partner, KalielGold PLLC
The law firm responsible for the content of this page is: KalielGold PLLC; Washington, D.C.; 202-350-4783; kalielgold.com.
Case updates
Legal status as of November 2026
- Attorneys are currently investigating potential legal claims related to convenience fees charged on online COBRA premium payments.
This page was last reviewed and updated in November 2026 to reflect the latest case developments.
What is COBRA and who does it cover?
COBRA, or the Consolidated Omnibus Budget Reconciliation Act, is a federal law that allows eligible workers and their families to temporarily keep their employer-sponsored health insurance after certain life events, such as job loss, reduced work hours, divorce or the death of a covered employee.
Individuals who choose COBRA coverage generally must pay the full cost of their health insurance premiums, including the portion previously paid by their employer. Federal law typically allows plans to charge up to 102% of the cost of coverage, which includes a 2% administrative fee.
Employers may use a third-party COBRA administrator to manage enrollment, collect premiums and process payments for continued health insurance coverage.
What are COBRA administrators, and which companies are under investigation?
COBRA administrators handle tasks such as notifying eligible employees of their COBRA rights, managing enrollment and collecting monthly insurance premiums on behalf of employers.
Attorneys are investigating whether some COBRA administrators charged additional convenience fees that exceeded the limits permitted under federal law. Companies being investigated include:
- Vita
- Benefit Resource Inc. (BRI)
- Insperity
- Igoe
- National Benefit Services (NBS)
- Benefits Outsource, Inc. (BOI)
- Ameriflex
- BBP Admin
- Paystation
The investigation is not limited to these companies. If you paid additional convenience fees when making online COBRA premium payments, you may qualify to take legal action, regardless of which company administered your benefits.
Fill out the form on this page to see if you qualify for a free case evaluation.
After you fill out the form, an attorney(s) or their agent(s) may contact you to discuss your legal rights.
ATTORNEY ADVERTISING
The choice of a lawyer is an important decision and should not be based solely on advertisements.
PAID ATTORNEY ADVERTISEMENT: THIS WEB PAGE IS AN ADVERTISEMENT AND THE PARTICIPATING ATTORNEY(S) ARE INCLUDED BECAUSE THEY PAY AN ADVERTISING FEE. Top Class Actions is not a law firm, lawyer referral service, or prepaid legal services plan. We do not endorse or recommend any third-party claims processing company, lawyer, or law firm who participates in the network. We do not make any representation, and have not made any judgment, as to the qualifications, expertise, or credentials of any participating lawyer or processing group. No representation is made that the quality of the legal services or claims processing to be performed is greater than the quality of legal services or claims processing performed by other lawyers or claims processing group. The information contained herein is not legal advice. Any information you submit to Top Class Actions does not create an attorney-client relationship and may not be protected by attorney-client privilege because Top Class Actions is not a law firm. Instead, your information will be forwarded to an attorney(s) or their agent(s) or a claims processing firm for the purpose of a confidential review and potential representation if you qualify. You will only be contacted by an attorney(s) or their agent(s) in response to your inquiry if your initial information appears to qualify you for representation. If you are not contacted by an attorney(s) or their agent(s) within one week, you should consult another firm since all legal claims are subject to filing deadlines. All photos on this website are stock art and do not depict clients.
