# 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