Enter your employer-plan contributions
Your COBRA premium can be higher than your payroll deduction because you may have to pay both the employee and employer shares plus an administration charge.
Enter a monthly amount. Convert weekly or per-paycheck deductions first.
Find this in your benefits statement, HR portal, or COBRA notice. Required for this estimate.
Contribution-based estimate
Your estimated monthly COBRA premium
This is an educational estimate, not a quote or eligibility decision.
How this result was calculated
The estimate can differ because of outdated contribution data, the coverage tier or plan year, midyear changes, a different administration charge, partial-month coverage, or data-entry and payroll-frequency conversion errors.
Marketplace costs require a current plan search
This calculator does not display a Marketplace premium or personalized subsidy estimate. Marketplace prices and premium tax credits depend on current location-specific plans, ages, tax household, projected annual household income, access to other qualifying coverage, and other eligibility rules.
It also does not determine a Special Enrollment Period or confirm whether a doctor, hospital, or prescription is covered.
Methodology
When both monthly contributions are provided, the calculator adds them and applies the selected administration factor. It does not use a national benchmark when the employer contribution is missing; instead, it asks you to obtain that amount.
Formula: (employee monthly contribution + employer monthly contribution) × administration factor.
If 1.02 is selected, the output is a maximum-standard-fee estimate, not a statement that every plan charges 102%.
What this calculator does not determine
- COBRA eligibility or whether an election or payment is timely
- Marketplace SEP or premium-tax-credit eligibility
- Medicaid or CHIP eligibility
- Actual benefits, deductibles, networks, or formularies
- A binding premium or insurance quote
Frequently asked questions
How accurate is the estimate?
It is only as useful as the contribution amounts entered. The election notice or administrator provides the actual premium.
Does it include an administration charge?
The selected factor is shown with the result. Standard federal COBRA generally permits up to 102%; a plan may charge less.
Can it estimate a Marketplace subsidy?
No. Use HealthCare.gov or the appropriate state Marketplace for official current results.
Do I need to provide an email?
No. The ungated result appears without collecting contact information.
Want help comparing the tradeoffs?
Premium is only one factor. A 15-minute call can help you organize costs, deductible progress, providers, prescriptions, deadlines, and duration.