🛡 How much would you save with continuous health coverage?

Finn

This calculator provides a stark reality check for anyone tempted to skip health insurance during a job transition. It clearly illustrates the financial risk by comparing COBRA premiums and out-of-pocket maximums against a catastrophic hospital bill, even factoring in potential self-pay discounts. Keep in mind that for gaps under 60 days, COBRA can often be elected retroactively, meaning you might only need to pay the premiums if an emergency actually occurs. Additionally, for smaller medical bills that don't hit your out-of-pocket maximum, COBRA would likely save you even more than shown here because it grants you access to the insurance company's negotiated rates.

Reviewed v26.8.0