Cobra Medical Insurance: Cost Breakdown And Coverage Insights

COBRA insurance is a continuation of your most recent employer group health plan. The average monthly premium for COBRA insurance is $703 for individual coverage and $1,997 for family coverage. The average monthly premium for COBRA insurance is $400 to $700 per person.

Average monthly COBRA premium is $703 for individual coverage

COBRA insurance is a continuation of your most recent employer group health plan. It is a temporary health insurance solution that covers gaps in coverage while you are between major medical plans. COBRA insurance is a popular, affordable solution to cover gaps in coverage while you are between major medical plans. Eligibility for short-term medical insurance is based on age and state availability.

The average monthly COBRA premium is $703 for individual coverage. This is lower than the average cost of individual health insurance in the United States, which is $537/month in 2025. However, costs vary significantly by state. In Alaska, the monthly average premium is $1,088, for example, while in Idaho, individuals may pay as little as $307 per month for health care coverage.

COBRA insurance is a continuation of your most recent employer group health plan. It is a temporary health insurance solution that covers gaps in coverage while you are between major medical plans. COBRA insurance is a popular, affordable solution to cover gaps in coverage while you are between major medical plans. Eligibility for short-term medical insurance is based on age and state availability.

A COBRA premium can cost on average $400 to $700 a month per person. In order to calculate the cost of COBRA continuation coverage, add how much the employer contributes to the health plan, plus how much the employee contributes to the health plan, then multiply the sum by 2% for the service fee.

Private health insurance is even more expensive than COBRA. Some policies may only cover up to 80% of the cost of care. Private health insurance may offer limited coverage options depending on disease and condition. Insurance premium costs are on the rise and show no sign of slowing down. As time goes on, the price of private health insurance is expected to continue increasing. Research found the national monthly average of insurance costs in 2022 sat at $541.

COBRA premium can cost on average $400 to $700 a month per person

COBRA insurance is a continuation of your most recent employer group health plan. It is a temporary health insurance solution to cover gaps in coverage while you are between major medical plans. COBRA insurance is more affordable than private health insurance, which is even more expensive.

According to Value Penguin, the average cost of individual health insurance in the United States is $537/month in 2025. However, costs vary significantly by state. In Alaska, the monthly average premium is $1,088, for example, while in Idaho, individuals may pay as little as $307 per month for health care coverage.

A COBRA premium can cost on average $400 to $700 a month per person. In order to calculate the cost of COBRA continuation coverage, add how much the employer contributes to the health plan, plus how much the employee contributes to the health plan, then multiply the sum by 2% for the service fee.

With COBRA insurance, you’re on the hook for the whole thing. That means you could be paying average monthly premiums of $703 to continue your individual coverage or $1,997 for family coverage—maybe more! Trust us, taking the temporary hit from COBRA premiums is way better than facing potential medical bankruptcy. It’s by far the lesser of two evils. Your options for health care during this in-between period might look expensive, but they’re nothing compared to paying out-of-pocket for a medical emergency.

Many plans have $1 million in coverage after deductibles and coinsurance. COBRAinsurance.com is an Acrisure health insurance company that helps workers in-between jobs enroll in affordable health plans. We are licensed in all 50 states and nationally recognized by the federal health insurance marketplace.

Monthly average premium in Alaska is $1,088

The monthly average premium in Alaska is $1,088. COBRA insurance is a continuation of your most recent employer group health plan. It is a temporary solution to cover gaps in coverage while you are between major medical plans. COBRA insurance is ACA Certified and covers pre-existing conditions and includes prescription medication benefits.

According to Value Penguin, the average cost of individual health insurance in the United States is $537/month in 2025. However, costs vary significantly by state. In Alaska, the monthly average premium is $1,088, for example, while in Idaho, individuals may pay as little as $307 per month for health care coverage.

A COBRA premium can cost on average $400 to $700 a month per person. In order to calculate the cost of COBRA continuation coverage, add how much the employer contributes to the health plan, plus how much the employee contributes to the health plan, then multiply the sum by 2% for the service fee.

With COBRA insurance, you’re on the hook for the whole thing. That means you could be paying average monthly premiums of $703 to continue your individual coverage or $1,997 for family coverage—maybe more! We know those numbers sound steep (and they are). But there’s something else even more expensive: having to foot the bill for a medical event without any kind of insurance. Trust us, taking the temporary hit from COBRA premiums is way better than facing potential medical bankruptcy. It’s by far the lesser of two evils. Your options for health care during this in-between period might look expensive, but they’re nothing compared to paying out-of-pocket for a medical emergency.

Private health insurance is even more expensive than COBRA. Some policies may only cover up to 80% of the cost of care. Private health insurance may offer limited coverage options depending on disease and condition. Insurance premium costs are on the rise and show no sign of slowing down. As time goes on, the price of private health insurance is expected to continue increasing. Research found the national monthly average of insurance costs in 2022 sat at $541. Both COBRA and private health insurance will help provide the security of having health insurance if you no longer have access to employee benefits.

Monthly average premium in Idaho is $307

The monthly average premium in Idaho is $307 for individual health insurance. This is lower than the national average of $537 per month.

COBRA insurance is a continuation of your most recent employer group health plan. It is a temporary health insurance solution that covers gaps in coverage while you are between major medical plans. Eligibility for short-term medical insurance is based on age and state availability.

COBRA insurance is more affordable than private health insurance, which may only cover up to 80% of the cost of care. Private health insurance may offer limited coverage options depending on disease and condition.

With COBRA insurance, you’re on the hook for the whole thing. That means you could be paying average monthly premiums of $703 to continue your individual coverage or $1,997 for family coverage—maybe more!

Temporary health insurance is a popular, affordable solution to cover gaps in coverage while you are between major medical plans. Many plans have $1 million in coverage after deductibles and coinsurance.

Average monthly premium of private health insurance is $541

The average monthly premium of private health insurance is $541. This is based on research that found the national monthly average of insurance costs in 2022 sat at $541.

Private health insurance is even more expensive than COBRA. Some policies may only cover up to 80% of the cost of care. Private health insurance may offer limited coverage options depending on disease and condition.

A COBRA premium can cost on average $400 to $700 a month per person. With COBRA insurance, you’re on the hook for the whole thing. That means you could be paying average monthly premiums of $703 to continue your individual coverage or $1,997 for family coverage—maybe more!

Temporary health insurance is a popular, affordable solution to cover gaps in coverage while you are between Major Medical plans. Eligibility for short-term medical insurance is based on age and state availability. Many plans have $1 million in coverage after deductibles and coinsurance.

Frequently asked questions