Peak One Administration Partners with When to Deliver Healthcare Transition Support for Employer Clients

CHICAGO, IL — Peak One Administration, a single-source benefits third-party administrator serving employers nationwide since 2002, today announced a referral partnership with When Insurance, the AI-powered workforce transitions platform. Through the agreement, Peak One will make When’s healthcare transition solutions available to its employer clients, helping self-funded employers reduce COBRA-related claims costs while giving departing employees personalized, affordable COBRA alternatives.

For self-funded employers, COBRA continuation is one of the most expensive and least understood cost drivers in a benefits program. The employees most likely to elect COBRA tend to be those with the greatest healthcare needs, so their claims can run two to three times higher than those of active employees — pressure that lands squarely on plan costs at renewal. By adding When to its offering, Peak One can help clients address that hidden cost while giving departing employees a better experience during a stressful moment.

When’s platform pairs a benefits guidance co-pilot, Jamie, with non-commissioned, licensed agents to walk eligible employees through every option available at separation — not just COBRA. Rather than defaulting to costly COBRA continuation, which can exceed $2,000 a month for family coverage, employees receive tailored guidance to find coverage that fits their needs and budget. Employers using When have reported up to 80% savings on COBRA-related claims costs and 92% employee satisfaction. When works alongside Peak One’s COBRA administration — never as a replacement — surfacing the full picture so employees can make the right call for their families.

As a single-source TPA already administering COBRA, FSA, HRA, HSA, VEBA, Section 115, commuter benefits, and retiree billing for clients across the country, Peak One is positioned to introduce When’s transition support at the exact moment it matters most — when an employee is leaving and making critical healthcare decisions.

"Since 2002, Peak One has focused on giving employers a single, dependable source for benefits administration — and on finding smarter ways to manage cost without adding complexity,” said Rachel Humbird, CEO of Peak One Administration. “When fits naturally alongside the COBRA administration we already provide. It lets us turn a moment that’s usually just a compliance step into real support for departing employees and meaningful savings for our clients."

“Peak One has spent more than two decades earning the trust of employers who count on them to get benefits administration right,” said Tom Cox, VP of Commercial Partnerships at When. “That trust, and their reach across employers nationwide, make them an ideal partner. Together we’re helping their clients turn one of their biggest hidden cost centers into a better experience for employees and real savings for the business.”

The partnership is effective immediately, with When’s solutions available to Peak One’s employer clients nationwide. Employers and benefits advisors interested in learning more can contact Peak One directly or estimate potential claims savings with When’s savings calculator at forwhen.com/explore/savings-calculator.

ABOUT PEAK ONE ADMINISTRATION

Founded in 2002 and headquartered in Post Falls, Idaho, Peak One Administration is a single-source, third-party benefits administrator serving employers nationwide. Peak One administers Flexible Spending Accounts (FSA), Health Reimbursement Arrangements (HRA), Health Savings Accounts (HSA), VEBA, Section 115 plans, commuter benefits, retiree billing, and COBRA, all backed by personalized service. For more information, visit peakoneadmin.com.

ABOUT 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 costs 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. For more information, visit forwhen.com.

MEDIA CONTACTS

Peak One Administration: peakoneadmin.com/contact

When: Colin Koerin colin.koerin@forwhen.com