Legal & HR Tools

COBRA Premium Calculator

Enter your and your employer's monthly premium shares to estimate your full COBRA premium.

$612.00/month
full premium ($600.00) plus 2% admin fee

Under federal COBRA law, employers can charge up to 102% of the full premium (100% + a 2% administrative fee) — the biggest surprise for most people is paying the employer's previously-hidden share too. A longer 11-month disability extension allows up to 150% for that extension period. This is an estimate — confirm the exact amount with your plan administrator.

How to use this tool

  1. 1Enter your current monthly premium share.
  2. 2Enter your employer's monthly share.
  3. 3See the estimated full COBRA premium.

Frequently asked questions

Why is COBRA so much more expensive than my payroll deduction?+

Because you start paying the portion your employer used to cover, plus up to a 2% administrative fee — most people are only used to seeing their own smaller payroll-deducted share.

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