How it works: COBRA = what you pay now + what your employer pays + a 2% admin fee (150% in disability months). We add deductible already met versus starting over.
General education, not insurance, tax or legal advice. Simplified math (deductible, then coinsurance, up to the out-of-pocket max). It can't see your plan's network, drug list or exact rules. Check your plan's Summary of Benefits and Coverage.
Share this result
The link keeps your numbers, so whoever opens it sees the same result.