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Your trusted partner in managing FSAs, HSAs, HRAs, COBRA, and more—saving you time, ensuring compliance, and boosting employee satisfaction.

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+4Years in Business

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Effortlessly submit a service ticket directly through our platform. Our dedicated team is ready to tackle your queries and ensure a swift resolution. Ideal for clients, participants, and brokers seeking prompt support

Our Services

Simplify your health benefits with expert solutions for COBRA, FSAs, HSAs, HRAs, and ICHRAs.

We ensure compliance, reduce complexity, and boost employee satisfaction.

Implementation in less than 24 hours

Get up and running in less than 24 hours. Our streamlined setup ensures your benefits management is efficient, compliant, and hassle-free.

24-hour customer service

Enjoy real, responsive support whenever you need it. Unlike others, we’re here 24/7 to answer your calls and provide solutions you can trust.

Satisfaction Guarantee (or Your Money Back)

We stand behind our services. If you’re not satisfied, we’ll refund your money—no questions asked. Confidence in benefits management starts here.

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CafeHealth simplified my transition to an individual coverage HRA. Their guidance made the entire process understandable and empowering. I now feel more in control of my healthcare choices!

Jessica Lin

Consumer

Implementing ICHRA with CafeHealth was seamless. Their expertise helped us offer more flexible health benefits to our employees, enhancing satisfaction and retention across our workforce.

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Broker

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Get Peace of Mind with COBRA Management

Simplify your COBRA administration with CaféHealth. Our personalized support and expert solutions ensure compliance and efficiency while giving you complete peace of mind. With our Satisfaction MONEY Back Guarantee, you can start with confidence and experience the difference that true expertise makes.

Learning Central

Explore our Learning Central for step-by-step guides on using the CafeHealth app, managing COBRA, and more. Click here to learn and grow!

What Is an ICHRA? The Complete Guide for Employers, Brokers, and HR Leaders

What Is an ICHRA? The Complete Guide for Employers, Brokers, and HR Leaders

Discover what an ICHRA is, how it works, and why brokers, HR leaders, and employers are adopting it as the smarter alternative to group health insurance. ...more

ICHRA

September 04, 2025•2 min read

Your Essential Guide to Using the CafeHealth Card

Your Essential Guide to Using the CafeHealth Card

Welcome to the CafeHealth family! We're thrilled to have you with us and are committed to helping you manage your medical and wellness expenses efficiently. This guide will provide you with everything... ...more

CafeHealth App

March 11, 2025•1 min read

COBRA Continuation Coverage

COBRA Continuation Coverage

COBRA continuation coverage is the same coverage that the Plan provides to other participants or beneficiaries who aren't getting continuation coverage. Each "Qualified Beneficiary" (described below) ... ...more

COBRA

March 10, 2025•6 min read

Maximize Tax Savings with Our Cafeteria Plan Solutions

Combine POP, FSA, DCAP & HSA for IRS-compliant tax savings—now with discounted bundled pricing.

Frequently Asked Questions

What are the deadlines for electing COBRA coverage?

You have 60 days from the date you receive your COBRA election notice or the date you lose coverage, whichever is later, to elect COBRA coverage

How long can I maintain COBRA coverage?

COBRA coverage can be maintained for up to 18 months after the qualifying event. Extensions up to 36 months may be available in certain circumstances like disability or second qualifying events

What should I do if I miss the COBRA election deadline?

If you miss the COBRA election deadline, you typically lose the option to opt for COBRA coverage. It's important to act within the 60-day election period to ensure you maintain your eligibility

What expenses are eligible for reimbursement under an FSA?

An FSA can reimburse you for medical expenses not covered by insurance, including deductibles, copayments, dental care, vision care, and prescription medications.

Can I change my FSA contributions during the year?

You generally cannot change your FSA contributions during the plan year unless you experience a qualified change in status, such as marriage, divorce, birth of a child, or a significant change in health coverage.

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