COBRA Savings Calculator

See How Much You Could Save by Reducing COBRA Elections

When helps departing employees find and enroll in COBRA alternatives — lowering your claims exposure and their monthly premiums.

The Problem

Why COBRA Is a Cost Containment Problem

2-3x Higher Claims

COBRA participants have chronic conditions, upcoming procedures, expensive prescriptions. They're not average.

2-3x Higher Claims

COBRA participants have chronic conditions, upcoming procedures, expensive prescriptions. They're not average.

2-3x Higher Claims

COBRA participants have chronic conditions, upcoming procedures, expensive prescriptions. They're not average.

Direct Balance Sheet Hit

Self-insured employers pay these claims dollar-for-dollar. Fully-insured see it in renewals.

Direct Balance Sheet Hit

Self-insured employers pay these claims dollar-for-dollar. Fully-insured see it in renewals.

Direct Balance Sheet Hit

Self-insured employers pay these claims dollar-for-dollar. Fully-insured see it in renewals.

9-10% Cost Increases

Healthcare costs are rising. GLP-1s, cancer, cardiovascular. Every COBRA election is amplified.

9-10% Cost Increases

Healthcare costs are rising. GLP-1s, cancer, cardiovascular. Every COBRA election is amplified.

9-10% Cost Increases

Healthcare costs are rising. GLP-1s, cancer, cardiovascular. Every COBRA election is amplified.

The WHEN Solution

Fewer COBRA Elections. Lower Claims.

Most employees elect COBRA because they don't know what else exists. When's AI-powered platform and licensed advisors guide departing employees through their real options - ACA plans, Medicare for early retirees, coverage that often costs less with better fit. Informed employees choose alternatives. Less adverse selection in your plan. We deliver the savings we project.

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