COBRA Continuation Cost Estimator
Insurance & RiskCalculate your total monthly cost to continue employer health coverage under COBRA after leaving a job.
Total Monthly COBRA Cost
Your full monthly COBRA premium, now covering both the employer and employee share plus the administrative fee.
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Odeh AhwalBased on 4 sources
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Creators
Odeh AhwalBased on 4 sources
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Helpful
Saved
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Frequently Asked Questions
Why is COBRA so much more expensive than what I paid as an employee?
Under COBRA, you become responsible for the full premium — both the portion your employer previously covered and your own share — plus up to a 2% administrative fee, since the employer subsidy disappears entirely.
How long can I keep COBRA coverage?
COBRA continuation coverage is typically available for up to 18 months after a qualifying event like job loss, though certain circumstances (disability, divorce, death of the covered employee) can extend this up to 36 months.
Are there cheaper alternatives to COBRA?
Often yes — ACA marketplace plans, especially with income-based subsidies, frequently cost less than COBRA's full unsubsidized premium, so it's worth comparing both options during a special enrollment period after job loss.
Sources
- Continuation of Health Coverage (COBRA), U.S. Department of Labor
- FAQs on COBRA Continuation Health Coverage for Workers, U.S. Department of Labor, Employee Benefits Security Administration
- COBRA Coverage When You're Unemployed, HealthCare.gov
- COBRA, Centers for Medicare & Medicaid Services
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