COBRA Cost Calculator
Calculate your monthly COBRA premium and compare it to marketplace alternatives after losing employer coverage.
Medical Disclaimer
This calculator is for informational and educational purposes only. It is not a substitute for professional medical advice, diagnosis, or treatment. Always consult a qualified healthcare provider before making decisions about your health. Never disregard professional medical advice or delay seeking it because of results from this tool.
COBRA Monthly Premium
$714
Difference (COBRA vs Market)
$984
Inputs
Comparison
Total COBRA Cost
$4,284
Monthly Increase vs Employee Rate
$514
Premium Increase
257%
Marketplace Alternative Total
$3,300
Better Option
1
Cumulative Cost: COBRA vs Marketplace
How to Use This Calculator
- Enter your current employer-sponsored monthly premium (your portion).
- Enter your employer's monthly contribution to determine the full plan cost.
- Set the COBRA admin fee percentage (typically 2%).
- Review the total COBRA monthly cost and compare it to marketplace alternatives.
- Use the results to decide whether COBRA or an ACA plan is more cost-effective during your gap.
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