eflex and eCOBRA | About Us

Established in 2000, eCOBRA is an eflexgroup (eflex) company headquartered in Madison, WI. Our company founders developed eflex and eCOBRA out of their passion for compliance and the unique understanding that benefits administration should be easier. Through staff expertise, web self-service, and quality tools, eCOBRA and the engine behind the passion has come alive to produce a national leader in pre-tax employee benefits resources and COBRA administration.

Our leadership staff has more than 130 years of combined experience in pre-tax employee benefits administration, human resources and COBRA. Founded and owned by Ric Joyner and Tom Jacobs, eCOBRA is one of the nation’s leaders in COBRA administration.

Click here to learn more about eflexgroup, Inc. a leading third party administrator (TPA) of HRAs (Health Reimbursement Arrangements), FSAs (Flexible Spending Accounts), HSAs (Health Savings Accounts), POP (Premium Only Plans) and Transportation Plans.


Tom Jacobs, CEO, co-founder and General Counsel, had a Madison, Wisconsin‐based private law practice in employment law and insurance defense litigation before starting eflex. He is a national lecturer on consumerism in health care and pre‐tax employee benefits. He is a former Board member of the National Association of Professional Employer Organizations (NAPEO), and a member of the NAPEO Legal Advisory Council... more about Tom Jacobs 



Ric Joyner, CEO and co-founder of eflex, left a Madison, Wisconsin TPA firm he founded in 1988 to start eflexgroup. He is the founding President of the National Association of Professional Benefit Administrators (NAPBA) that serves the niche TPA business. Joyner is a Certified Employee Benefits Specialist (CEBS), Group Benefit Associate...more about Ric Joyner 

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Phone: 608-268-5133
Toll-Free: 866-303-2247
Fax: 608-237-3801
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