COBRA Premium Calculator

COBRA Premium Calculator (2026) | MultiCalculators.com

COBRA Premium Calculator (2026)

Estimate COBRA monthly premiums (102%) and optional disability extension pricing (up to 150%).

Inputs

COBRA allows plans to charge up to 102% of the applicable premium (full cost + 2% admin) and, for the 11-month disability extension, up to 150% for those additional months. [Source](https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/faqs/cobra-continuation-health-coverage.pdf)

Enter a valid amount (0 or higher).
Enter a valid amount (0 or higher).
Enter months between 1 and 36.
Apply 150% pricing to months 19–29 (if your plan/administrator charges it).
Source: DOL explains 102% standard and up to 150% for disability extension months. [Source](https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/faqs/cobra-continuation-health-coverage.pdf)

Results

Standard COBRA Monthly Premium (102%)

$0.00
Total cost × (1 + admin fee). Often described as “up to 102%”.

Disability Extension Monthly Premium (Months 19–29)

$0.00
If selected, applies your chosen disability rate for months 19–29.

Estimated Total COBRA Cost

$0.00
Sum across the number of months you selected.

Effective Multiplier

1.00×
Weighted multiplier based on standard vs. disability extension months.
Important note about premiums
The Department of Labor explains that COBRA premiums generally cannot exceed 102% of the plan’s cost for similarly situated individuals, and that for an 11-month disability extension, the premium for those additional months may be increased to 150%. [Source](https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/faqs/cobra-continuation-health-coverage.pdf)

Enter inputs to see charts and a month-by-month table

We’ll show you your monthly COBRA premium, total cost, and a detailed cost schedule.

About The Author

shakeel-Muzaffar
Founder & Editor-in-Chief at  ~ Web ~  More Posts

Shakeel Muzaffar is the Founder and Editor-in-Chief of MultiCalculators.com, bringing over 15 years of experience in digital publishing, product strategy, and online tool development. He leads the platform's editorial vision, ensuring every calculator meets strict standards for accuracy, usability, and real-world value. Shakeel personally oversees content quality, formula verification workflows, and the platform's commitment to publishing tools that are genuinely useful for students, professionals, and everyday users worldwide.

Areas of Expertise: Editorial Leadership, Digital Publishing, Product Strategy, Online Calculators, Web Standards