| Option | Typical Cost |
|---|---|
| Basic / standard | $2,100–$4,200 |
| Moderate / comprehensive | $5,600–$11,200 |
| Intensive / premium | $10,500–$21,000 |
| Luxury / concierge | $21,000–$42,000 |
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| Coverage Type | Monthly Cost |
|---|---|
| Individual (employee only) | $400–$800 |
| Employee + spouse | $800–$1,500 |
| Family | $1,200–$2,500 |
COBRA lets you keep your employer's health plan for 18–36 months after leaving a job, but you pay the FULL premium (employer + employee portion) plus a 2% admin fee. This makes COBRA 2–4x more expensive than what you were paying as an employee. ACA Marketplace plans are often cheaper: losing job-based coverage triggers a Special Enrollment Period, and subsidies are available for households earning up to 400% of the federal poverty level. Compare COBRA vs Marketplace before defaulting to COBRA — most people find better deals on Healthcare.gov. Compare at least 3 quotes from different providers to ensure you get the best price and service for your specific situation and budget.
Cobra premiums are calculated from risk factors specific to your situation. Carriers weigh these factors differently, which is why quotes vary so widely. Your claims history, location, coverage limits, and deductible all interact to determine your rate.
The cheapest policy is not always the best value. Coverage exclusions, claim response times, and financial stability of the carrier matter when you actually need to file a claim. Check AM Best ratings for financial strength and J.D. Power for customer satisfaction before choosing based on price alone.