I don't understand what you are saying. COBRA is not a different, more expensive type of insurance. It's a law that allows you to extend the insurance plan you

I don't understand what you are saying. COBRA is not a different, more expensive type of insurance. It's a law that allows you to extend the insurance plan you received through your employer for 18+ months after your employment is terminated. However, you need to pay the full amount (the premium you paid before, plus what the employer had been contributing on your behalf) plus a 2% fee.