Last updated: March 2026
How Much Does COBRA Insurance Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Individual COBRA Coverage (monthly) | $0 – $0 | $400 – $800 |
| Employee + Spouse COBRA (monthly) | $0 – $0 | $800 – $1,500 |
| Family COBRA Coverage (monthly) | $0 – $0 | $1,200 – $2,500 |
What Affects the Cost
- Your age, location, and health status
- Coverage level and deductible chosen
- Provider or carrier
- Claims history
- Credit score (for some insurance types)
- Discounts available (bundling, loyalty, safe driver, etc.)
Insurance Coverage
Typical coverage: COBRA allows you to continue employer health insurance for 18-36 months after job loss or qualifying event. You pay the full premium plus a 2% administrative fee.
Insurance costs vary widely based on coverage level, location, age, and claims history. Shopping around and comparing quotes is the single most effective way to save money on insurance premiums.
How to Save Money
- Compare quotes from at least 3-5 providers
- Bundle policies (home + auto) for 10-25% discounts
- Choose higher deductibles for lower monthly premiums
- Ask about all available discounts
- Review coverage annually during open enrollment
- Consider employer-sponsored plans which subsidize 50-80% of premiums
Related Procedures & Costs
Frequently Asked Questions
COBRA costs the full employer premium plus 2% administrative fee. Average individual cost is $600 to $800 per month. Family coverage averages $1,500 to $2,200 per month.
COBRA is expensive but may be worth it if you need to keep your current doctors, are mid-treatment, or have met your deductible. Marketplace plans are often cheaper.
COBRA lasts 18 months for job loss or reduction in hours. It extends to 36 months for divorce, death of employee, or dependent aging out.