Service status ·A8 Core™ · The Operating System for Financial Accounts ·The account operating system · API-first

A8Core™

API reference v1

Account types

COBRA Coveragegated

ERISA §§ 601-608; I.R.C. § 4980B; HIPAA BAA if PHI received

On this pageOverview Authority Parameters Example Eligible assets Rules

Slug	`cobra-coverage`
Nature	`BenefitObligation` — No assets. An employer obligation and a claims ledger.
Contributions	`NotApplicable`
Earnings	`NotApplicable`
Contribution year	`PlanYear`
Status	gated
Legacy code	`CBR` — ISCP import and statement templates only. Not identity, and not accepted by the API.

Required authority

An institution may open this account only if it satisfies every requirement group below. Within a group, any one authority suffices. Across groups, all must be satisfied.

Group	Any one of
None. This type holds no assets, so no custody authority is required.

Resolve availability at runtime with GET https://api.a8core.io/v1/account-types. Never hard-code it.

Create Account parameters

POSThttps://api.a8core.io/v1/accountsoperation: CreateAccount

Name	Type		Description
ProviderReferenceId	string	optional	Your internal reference. Used as the idempotency key.
ClientId	Guid	required	The A8 Core™ Client ID that owns the account.
AccountTypeCode	string	required	Must be `cobra-coverage`.
EmployerId	Guid	required	The sponsoring employer.
PlanYear	int	required	Cafeteria plans run on a plan year, frequently not the calendar year.
AnnualElection	decimal	required	The participant’s election for the plan year.
UniformCoverage	string	required	`Applies` or `DoesNotApply`. Drives the available-balance derivation.

Example

POST https://api.a8core.io/v1/accounts

"ProviderReferenceId": "acct-10293",
"ClientId": "8fa2c1e4-5b6d-4f3a-9c2e-7d1a2b3c4d5e",
"AccountTypeCode": "cobra-coverage",
"EmployerId": "9c4a2f61-0d75-4e83-a1b6-7f2e5c9d3088",
"PlanYear": 2026,
"AnnualElection": 3300.0,
"UniformCoverage": "Applies"

200 OK

"RequestId": 1736472901835,
"Status": 1,
"AccountId": "3c7b1f90-2a44-4e21-8d6c-9b0e5a1f7c22"

Errors

ErrorCode	Meaning
InstitutionNotAuthorizedForAccountType	The institution does not hold every authority this type requires.
ClientNotFound	No client matches the supplied ClientId.
AccountTypeNotInvestable	An investment purchase or sale was directed at an account that holds no securities.

Eligible assets

The row below is the account-type dimension only. What this account may actually hold is the intersection of the account-type rule, the asset-class rule, any instrument predicates, and the institution’s authority asset scope.

●Permitted◐Conditional○Not permitted

Account family	Stocks & ETFs	Mutual funds	Bonds & fixed income	Cash & money market	Real estate	Private equity & venture	Private credit & notes	Precious metals	Digital assets	Stablecoins
FSA · HRA · LSA · commuter · COBRA	Not permitted	Not permitted	Not permitted	Not permitted	Not permitted	Not permitted	Not permitted	Not permitted	Not permitted	Not permitted

Holds no assets. Type-level, not rule-level.

Rules that govern this type

Premium collection and remittance under statutory election and notice deadlines. Not an investment account.
If A8 Core™ receives PHI, a HIPAA business associate agreement is required.