[mlthoughts2018]

COBRA is so intractably expensive that the only responsible thing to do is assume COBRA doesn’t exist and base policies and assistance around that reality.

Any analysis / estimate / policy that starts from any assumption of the existence or usage of COBRA is therefore so unrealistic and inaccurate as to be completely ignored.

[cstejerean]

That's because insurance is expensive. The price you pay for COBRA is identical to how much that policy cost while employed, except that while employed the employer is paying a large share of the cost, and while on COBRA you pay the full cost yourself. Spending some time on COBRA is a good way to appreciate the high cost of insurance.

I spent 12 months on COBRA when I started my startup, and while I didn't enjoy paying close to $2,000 per month for insurance I couldn't buy a comparable plan on the open market for my family for less.

[mlthoughts2018]

I’m unclear the purpose of your comment. I never said insurance wasn’t expensive. Taking someone who has no choice but to base their life around not bearing that cost because they must rely on employers to bear it for them, then suddenly acting like it’s a benefit that they can optionally take on that cost their life has been fundamentally structured to not bear, is not a solution to anything.

Presumably the existence of COBRA is meant to assist people experiencing a hard time with health coverage. It does not achieve that purpose. If insurance itself is prohibitively expensive that mediating it through COBRA means people are unhelped by COBRA, then replace COBRA with something that pays the cost of the coverage. Take your pick of many options, but shifting the cost burden onto someone who was told to structurally depend on it being tied to employers is not a thing. It’s a non-thing that does not count as an assistance or benefit.

It’s like if you lost your job and suddenly now breathing oxygen costs an extra fee, but it’s OK because you can just pay the oxygen fee you were forced into letting your employer pay on your behalf.