COBRA Insurance Cost Calculator

COBRA Cost Estimate

Full Monthly Premium (employer + your share) ($)

Admin Fee (%)

Months of COBRA Needed

Your Previous Monthly Share ($)

COBRA vs Marketplace

COBRA Monthly Premium ($)

Marketplace Monthly Premium ($)

COBRA Plan Deductible ($)

Marketplace Plan Deductible ($)

Expected Medical Costs During Gap ($)

Months of Coverage Needed

Monthly ACA Subsidy (if eligible) ($)

Formula

COBRA Monthly = Full Premium × (1 + Admin Fee %); Total = Monthly × Months Needed

Frequently Asked Questions

What is COBRA insurance?

COBRA (Consolidated Omnibus Budget Reconciliation Act) allows you to continue your employer-sponsored health insurance after leaving a job. You pay the full premium (employer + employee portion) plus a 2% admin fee.

How long can I keep COBRA coverage?

COBRA coverage typically lasts up to 18 months after a qualifying event (like job loss). In some cases, such as disability, coverage can extend to 29 months.

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