COBRA lets you keep your employer health plan after leaving a job, but you pay the full premium plus a 2% admin fee. Monthly costs typically range from $400 to $800 for individual coverage and $1,200 to $2,500 for family plans. These rates vary by employer and plan type.
| Item | Typical range |
|---|---|
| Individual Monthly Premium | $400 – $800 |
| Family Monthly Premium | $1,200 – $2,500 |
| Maximum COBRA Duration | 18 months |
| Admin Fee (Added to Premium) | 2% |
What Drives the Price
The key factor is your former employer’s group premium—the total amount they and you paid before. For individual plans, that is often $500 to $900 per month. Adding dependents increases the total to $1,500 to $2,800.
Subsidy and Duration Limits
COBRA typically lasts 18 months (longer for disability or family events). No subsidies are built in, but the 2021–2022 ARP subsidy is expired. Your cost is 102% of the total premium—for example, $520 becomes $530.40.
How to Compare Options
Request a COBRA election notice within 60 days of losing coverage. Compare your COBRA cost to marketplace plans—individual ACA plans may cost $200 to $500 in subsidies. Choose based on doctor networks and total out-of-pocket limits.
What moves the price in Lansing, Michigan
Your former employer's plan cost and your age determine the premium. Local quotes reflect the items below, so two providers can quote different totals for the same described job without either being wrong.
- Local labour rates and licensing requirements for the trade or professional involved
- Permits, inspections and disposal fees set by the local authority
- Travel and call-out charges for the distance from the nearest provider
- Season and demand peaks, which move both the price and the wait
- Materials, parts or inputs, and how their grade or availability changes the total
- Whether the work is a repair, a partial job or a full replacement
How to compare cobra insurance quotes in Lansing, Michigan
Write the scope down first, then send the same description to at least three local providers. Compare the quotes line by line against that scope rather than by the headline total.
- Agree the scope: exactly what is being repaired, replaced or supplied, and how far the work extends.
- List the inclusions: labour, materials, permits, inspection fees, disposal and clean-up, each stated separately.
- Ask what is excluded, and what would trigger an extra charge once the work starts.
- Check timing: how soon work can start, how long it takes, and whether out-of-hours rates apply.
- Confirm terms: deposit, payment schedule, warranty on parts and labour, and how changes are priced.
A lower total that leaves out permits, disposal or a necessary second stage is not cheaper once those items are added back. Ask each provider in writing what would change the price.
This page does not quote work and is not a contractor. The range above is an estimate, not an offer.
Common questions
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COBRA Insurance Financing
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