Why is COBRA health insurance so expensive?

While employed, your company likely paid 70% to 85% of your total health insurance premium. Under COBRA, you are responsible for paying the full 100% premium plus a 2% administrative fee.

How long do I have to elect COBRA coverage?

You have an election period of at least 60 days from the date of the qualifying event or the date the COBRA election notice is provided (whichever is later).

أمريكامحدث لعام 2026الصحة والطب

US COBRA Health Insurance Continuation Premium Calculator 2026

Calculate your monthly COBRA health insurance continuation cost (102% of combined employer + employee premium) following employment termination or reduction in hours, and compare with ACA Marketplace alternatives.

التأمين الصحي التعاوني التأمين والخدمات الاكتتابية الرواتب والأجور الشهرية

النتيجة النهائية

Total Monthly COBRA Premium (102%)

816$/شهر

بيانات ومدخلات الحساب

Your Previous Monthly Payroll Deduction for Health Insurance

$/شهر

خيارات سريعة:

Employer's Subsidized Monthly Share of Your Premium

$/شهر

خيارات سريعة:

Number of Months of COBRA Coverage Needed (Max 18 Months)

شهر

خيارات سريعة:

Total Monthly COBRA Premium (102%)

816$/شهر

Total Outlay for Full Continuation Period

4,896 ‎$‎

Monthly Out-of-Pocket Increase

636 ‎$/شهر‎

100% Base Group Plan Monthly Rate

800 ‎$‎

2% Statutory Administrative Surcharge

16 ‎$‎

Under federal COBRA law, beneficiaries pay 100% of the total group health plan premium plus a 2% statutory administrative fee, typically lasting up to 18 or 36 months.

هذه الحاسبة نموذج حسابي ورياضي للياقة والتغذية لأغراض التوعية العامة فقط. النتائج التقديرية لا تُعتبر تشخيصاً طبياً أو بديلاً عن الرعاية الصحية المتخصصة. يُرجى دائماً استشارة الطبيب أو أخصائي التغذية قبل البدء بأي نظام جديد.

المرجع النظامي / القانوني: Consolidated Omnibus Budget Reconciliation Act (29 U.S.C. § 1162 - COBRA Continuation Coverage & 102% Premium Rules)تاريخ التحقق والتحديث: 2026-09-04

آلية ومعادلة الحساب القانونية

Total Group Monthly Premium = Employee Share + Employer Subsidized Share. COBRA Monthly Premium = Total Group Premium * 1.02. Total Continuation Cost = COBRA Monthly Premium * Duration Months.

الأسئلة الشائعة

COBRA gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time (usually 18 months).

حاسبات ذات صلة

أدوات وحاسبات إضافية موصى بها بناءً على ما تقوم بحسابه الآن

عرض كل الحاسبات

أمريكا

US COBRA Health Insurance Continuation Premium Calculator 2026

بيانات ومدخلات الحساب

آلية ومعادلة الحساب القانونية

الأسئلة الشائعة

حاسبات ذات صلة

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