COBRA preserves your employer coverage but costs $717/month average for individuals (you pay the full employer + employee share plus 2%).
COBRA preserves your employer coverage but costs $717/month average for individuals (you pay the full employer + employee share plus 2%). Marketplace plans with income-based subsidies during unemployment can bring premiums to $150-$300/month for comparable coverage. The strategic insight: COBRA is retroactive for 60 days.
Apply for marketplace first. If you need medical care during the gap, elect COBRA retroactively. If you don’t, save $437/month.
Over a 6-month unemployment, this strategy saves $2,622.
The PivotReset Decision Support Engine shows you the 12-month financial projection for each path.
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