COBRA Savings Calculator

See How Much You Could Save by Reducing COBRA Elections

When helps departing employees find and enroll in COBRA alternatives — lowering your claims exposure and their monthly premiums.

Three inputs for an instant estimate.

Total Employees*?
Full-time, benefit-eligible U.S. employees

Involuntary Turnover*?
Annual rate of layoffs and terminations

6%

0%
30%

Voluntary Turnover?
Annual rate of resignations and retirements

10%

1%
50%

Estimated Annual Savings

$115,567

Based on company size and turnover.

Want the Full Picture?

Add your plan details for a personalized report you can share with leadership.

Estimate based on industry averages. Actual savings depend on your health plan details and severance policies.

Backend Data (For Testing) - Turning this ON for Internal Testing

Inputs from Part 1
Emp:500 Inv:6% Vol:10% Enr:75% Sing:60% SP:$737 FP:$2187 Sub:0% Mo:0

Company Liability (Before)
231,134

Company Liability (with When)
115,567

Projected Annual Savings
115,567

Include all full-time W-2 employees in the US. Exclude contractors, part-time staff, and international employees.

Include layoffs, terminations for cause, and position eliminations. These employees have the highest COBRA election rates (30%) and typically receive severance coverage.

While voluntary exits elect COBRA at lower rates (12%) than involuntary terminations (30%), they still represent significant exposure for most companies.

Why COBRA Is a Cost Containment Problem

2-3x Higher Claims

COBRA participants have chronic conditions, upcoming procedures, expensive prescriptions. They're not average.

Direct Balance Sheet Hit

Self-insured employers pay these claims dollar-for-dollar. Fully-insured see it in renewals.

9-10% Cost Increases

Healthcare costs are rising. GLP-1s, cancer, cardiovascular. Every COBRA election is amplified.

Fewer COBRA Elections. Lower Claims.

Most employees elect COBRA because they don't know what else exists. When's AI-powered platform and licensed advisors guide departing employees through their real options - ACA plans, Medicare for early retirees, coverage that often costs less with better fit. Informed employees choose alternatives. Less adverse selection in your plan. We deliver the savings we project.

Learn More About the Hidden Costs of COBRA

How COBRA Is Quietly Driving Up Healthcare Costs for Self-Insured Employers
Andy Hamilton

The Hidden Costs of Poor Employee Offboarding
Andy Hamilton