COBRA Is Costing Your Employees More Than You Think

When employees lose job-based coverage, COBRA keeps them technically insured — but at a price that shocks most families.

What Is COBRA?

COBRA allows employees to continue their employer-sponsored health insurance after leaving a job. Under COBRA, the employee pays the full premium — both their portion and the employer's contribution — plus a 2% administrative fee. Employers typically cover 73% of the premium during employment. The moment COBRA is elected, that subsidy disappears.

Why Private Plans Are Usually Better

Employees do not have to default to COBRA. Private marketplace plans offer broad PPO access, fewer restrictions, and competitive pricing — typically saving 25–60% versus COBRA costs. I help both employees and employers navigate all available options immediately after a qualifying event.