COBRA Clarity gives you a personalized, plain-English recommendation — so you know exactly whether to take COBRA or switch to ACA, how much each option truly costs, and what to do before your deadline expires.
One-time · Delivered within 2 business days · Full refund if it doesn't help
COBRA Clarity serves both the employee navigating a difficult moment and the HR team trying to do right by them.
Answer a few quick questions about your situation — your state, household, income, COBRA premium, current health picture, and notice date. We run the math and deliver a plain-English recommendation with your exact cost comparison and deadline.
If your HR team gave you a link or code, your report is already covered.
Purchase a credit pack once. Distribute unique links or codes alongside every COBRA notice. Employees get their personalized report at no additional cost — and the questions stop landing on your desk.
Buy a pack of report credits. Distribute them with your COBRA notices. Credits never expire.
Questions about HR pricing? Email us — we typically respond within one business day. Payment processed securely via Stripe.
No jargon. No waitlist. No appointment required.
Your state, household, income, COBRA premium, current health picture, employer contributions, and your notice date. Takes about 5 minutes to complete.
Subsidy eligibility, state benchmark premiums, your out-of-pocket difference, your exact deadline, and your annualized savings comparison.
A multi-page PDF with your verdict, side-by-side cost comparison, subsidy analysis, plan-type recommendations, decision timeline, and specific next steps — all in plain English.
If your HR team included a link or code in your offboarding packet, your report is already covered. Just click the link and complete the form — no payment required on your end.
After purchase you'll receive unique single-use links or codes — one per credit. Include them in your standard offboarding documentation alongside the COBRA notice. The employee clicks, completes the form, and receives their report within 2 business days. No setup, no software, no IT request.
Reports are delivered within 2 business days of form submission. Every report is built by a benefits consultant — not generated by a template — which is why it takes more than 5 minutes. The form itself takes about 5 minutes to fill out.
No. Purchase a pack now and use them whenever you need them. Credits never expire, so there's no pressure to use them on a timeline.
You can. Healthcare.gov has a subsidy calculator. But you'd need to know to check it, understand how projected annual income works after a layoff, find your state's benchmark Silver plan premium, and compare it accurately against your COBRA notice. Most people spend hours and still aren't confident. We do the analysis for you and deliver clarity within 2 business days.
No — and we're upfront about that. This is a personalized decision-support tool, not a licensed advisor. The report tells you clearly when your situation is complex enough that a broker makes sense. For most people in a standard layoff scenario, the math is enough to make a confident decision.
Answer honestly and the report will flag it. Ongoing specialist care, partial-year income, a spouse on a different plan — we note where your situation adds nuance and where you need additional guidance. We won't pretend to have answers we don't have.
The average wrong decision costs $3,000–$8,000+. A licensed benefits consultant charges $150–$300/hour with a two-week waitlist. This is $29, takes 5 minutes to request, and arrives within 2 business days. If the report doesn't pay for itself the moment you see your numbers, email us for a full refund.
The clock started the day the notice was issued. Get your answer within 2 business days.