06/26/2026
💼 COBRA Isn't Just Expensive—It's Often a Shock
Losing your job is stressful enough.
Then comes the COBRA notice.
Many families are stunned when they see the monthly premium, wondering how their health insurance suddenly costs thousands of dollars.
According to Tom Quigley of ClaimLinx, there's a simple explanation.
While you were employed, you likely paid only a portion of your health insurance premium through payroll deductions. Your employer was paying the majority of the cost behind the scenes.
For example, if you were paying $500 per month for family coverage, your employer may have been contributing another $3,000 each month. Under COBRA, you're responsible for paying the entire premium yourself.
That's why a family plan can suddenly cost $3,500 or more per month.
For many families, the sticker shock is overwhelming.
Understanding how employer-sponsored health insurance works can help employees prepare for life transitions and explore other coverage options before making a decision.
Healthcare costs don't suddenly increase because of COBRA.
You're simply seeing the full price that was always there.
