Your inputs
Result
Total COBRA cost for the period
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Election window closes
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Marketplace comparison
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Numbers are estimates from the inputs you typed, not financial, tax, or legal advice. Rules vary by state and by your written plan, and the paired guide carries the sourced detail.
Worked example on the page defaults
Starting from the values this page loads (Monthly COBRA premium quoted ($) = 650, Months of coverage = 12, Marketplace estimate ($/month) = 380), the calculator reports: Total COBRA cost for the period, Election window closes, Marketplace comparison. Change one field and every line updates on your device; nothing is sent to the server, and the result feeds the paired generator with the fields already typed.
COBRA & State Continuation: Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months.
Read the window for your state and confirm the current text with the agency named on the page: California COBRA, Colorado COBRA, Illinois COBRA, all 50 state pages.
Read the rule behind the math
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