Last Updated on: November 13th, 2025
Reviewed by Kyle Wilson
Losing a job or changing employment can be very stressful, especially when it affects your health coverage. That is where COBRA health insurance comes in. But here is the most important question people ask that how much does COBRA health insurance cost?
In this detailed guide we will explain the average cost of COBRA Health insurance and also discover how it is calculated and what factors affect your monthly payments in 2025.
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COBRA or the Consolidated Omnibus Budget Reconciliation Act, allows employees and their independence to keep their employer sponsored health insurance plan after leaving a job. It is a temporary safety net that will make sure that you don’t lose health coverage right away.
While COBRA offers convenience and continuity, it can be very expensive, since you have to pay the full cost of your insurance, not just the employee portion.
The COBRA health insurance cost depends on the premium of your previous employer plan plus you have to pay the 2% administrative fee.
In most of the cases you are employed and used to pay a large portion of your health insurance cost. Under COBRA, you are responsible for the entire premium and you have to pay that like both your share and your employer’s contribution.
So if your employer plan costs $600 per month but you are an employer paid $400 and you pay $200. You will now be paying $612 that is added 2% off the administrative fee under COBRA.
In 2025, the average cost of COBRA health insurance continues to vary based on your plan, type location and coverage level. However, here is an approximate estimate.
These numbers can differ depending on your previous employers help plan and which state insurance state’s insurance rates
When looking at COBRA health insurance cost per month in 2025, most individuals pay between $600-$800 while families pay between $1700-$2000 monthly.
Remember COBRA is not a new insurance policy. It is a continuation of your existing employment plan. So whatever coverage you had before, you can keep it temporarily usually in between 18 to 36 months but you will shoulder the entire cost of the premium.
For people living in Texas, COBRA coverage follows similar federal rules. The COBRA health insurance cost in Texas ranges from
Texas is also offered state continuation coverage for smaller companies that meet Federal COBRA eligibility requirements. The cost under this plan can be slightly lower but still comparable.
A COBRA health insurance calculator can help to estimate your expected monthly payment here is how it generally work for you
For example
If the previous total premium is five hundred eighty dollars , then you have to add two percent that is $11.60$ then the total COBRA monthly cost will be $591.60.
The biggest recent corporate force is that employers typically cover a large share of your premium while you are employed. Undergo that support disappears.
Still many people choose COBRA for its continuity of coverage, especially if they are in the middle of treatment, pregnant or managing chronic health issues.
several factors that determine your COBRA health insurance average cost including
Health cost very can be very by the state or location
PPOS are more expensive than HMOS.
Motor dependence means higher premiums.
Premiums depend on the original group insurance cost.
You can have COBRA for 18 to 36 months.
Weather COBRA is worth it or not it depends on your personal health and financial situation
COBRA is worth it if
If your health is good and you don’t need continuous care then exploring the cheaper insurance option could be the smarter move.
Typically COBRA coverage lasts 18 months after the job loss. Special situations like disability or divorce it can extend up to 36 months.
During this period, you will keep the same coverage benefits, providers and deductibles. One COBRA and you can move to the marketplace plan or a private health insurance plan.
Global health insurance can be a lifesaver when you certainly lose a job that is based on coverage. However, it is very important to understand that the COBRA health insurance cost is significantly higher than what you paid while employed.
Knowing the average cost of Cooper health insurance in 2025, along with how to calculate it can help you to make an informed decision about your healthcare needs. If the premiums are too high, then you have to explore alternatives like marketplace or Medicaid plans to stay protected without breaking the bank.
Compare COBRA health insurance costs and discover more affordable coverage options from Burial Senior Insurance for you and your family in just a few clicks!
Yes, insurance can be worth it if you want to keep the same coverage you had with your employer. It is especially helpful if you are in the middle of a medical treatment, expecting a baby or need continuous access to your doctor and prescriptions. However, if you are healthy and want to save money, you can find cheaper alternatives on the health insurance marketplace or through private insurance plans.
Usually yes, copper is more expensive than Obama care because with COBRA you pay the full premium plus a 2% administrative fee. The Obama care plan can offer you the government subsidies or tax credit to lower your cost. If you qualify for financial help in Obama care it is often a more affordable option.
In most cases, yes COBRA can cost more than private health insurance because you are paying both your share and your employer share of the premium. Private plans can have different coverage levels and lower monthly premiums, though they might not offer the exact same benefits on a network of doctors.
Proper insurance is not free. You must have to pay the entire premium self including the portion you employed used to pay +2% of administrative fee. That is why Cora feels expensive. It is the same plan but now you can cover 100% of the cost.
COBRA is expensive because once you leave your job, your employer stops contributing to your health insurance. Undergo you take on both your own share and your employee share of the premium.
Senior Writer & Licensed Life Insurance Agent
Iqra is a dynamic and insightful senior writer with a passion for life insurance and financial planning. With over 8 years of hands-on experience in the insurance industry, Iqra has earned a reputation for delivering clear, actionable advice that empowers individuals to make informed decisions about their financial future. At Burial Senior Insurance, she not only excels as a licensed insurance agent but also as a trusted guide who has successfully advised over +1500 clients, helping them navigate the often complex world of life insurance and annuities. Her articles have been featured in top-tier financial publications, making her a respected voice in the industry.
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