P&A is excited to announce a strategic partnership with When, the workforce transitions platform that reduces high-cost COBRA claims for employers by guiding departing employees to affordable individual plans via an intelligent Marketplace platform and concierge-level agent support.
Introducing When
Founded by two neighbors who experienced layoffs, When is the first workforce transitions platform to help organizations and employees navigate healthcare and benefits changes. From early retirements and career pivots to involuntary exits, When reduces claims exposure and provides critical support for both employers and their employees when it matters most. Since launching in 2024, the company has been used by over 6,000 companies, with over 1 million employees having access to the platform.
Visit forwhen.com for more information.
About the When Platform
When engages with employees at the point of separation and invites them to a personalized marketplace with access to licensed, non-commissioned agents who guide them to affordable individual health plans. Instead of defaulting to COBRA and becoming high-utilizers, employees are able to shop, compare, and enroll in coverage that better fits their needs and budget. The impact is measurable: employers using When have reported up to 80% savings on COBRA claims costs, and the effect compounds year over year, bending the health plan cost curve and strengthening renewal positioning. Employees report 92% satisfaction with the experience, leaving with confidence and coverage instead of confusion. With When, employers don’t have to choose between cost containment and compassionate support.
How the When Partnership Positively Impacts Self-Funded Groups
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 affecting 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.
P&A’s President, Brian Crawford, says the partnership will help us go above and beyond what we already provide COBRA clients. “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. “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.”
P&A When Partnership: Looking Ahead
The partnership creates a seamless experience for P&A’s employers; we can offer this solution at the precise moment it matters most—when an employee is leaving and making critical healthcare decisions. Effective now, P&A’s partnership with When is available to all current and future clients.
Employers and brokers interested in learning more can contact their P&A account manager directly or visit https://padmin.com/contact-sales/.
