Planning estimate only — not a quote, claim, or medical advice. Confirm with your plan documents.
Benefits worksheet
How much will COBRA actually cost each month?
Enter the full monthly premium for your coverage and an admin fee (often about 2%). See monthly and multi-month totals.
Your numbersStays on device
Your numbers
$
What the plan charged for your coverage, not just your paycheck deduction.
%
Federal COBRA often allows ~2%.
COBRA monthly cost (estimate)
$663
$11,934 over 18 months.
- Monthly with admin
- $663
- Total for period
- $11,934
Federal COBRA rules and state mini-COBRA differ. Confirm with your plan administrator — not legal advice.
Related estimates
Common questions
You pay both the employee and employer share of the premium, plus a small admin fee.
Start from the full premium for your tier (not just your old paycheck deduction), then add the admin percentage your plan quotes.
Often up to 18 months for job loss - confirm your qualifying event and election notices.
Ask HR or check the COBRA election notice. W-2 Box 12 Code DD is a related clue, not always identical to the COBRA bill.