I’ve gotten a couple Cobra offers in the past few years after leaving jobs, both of them with very solid to great health insurance, and haven’t seen a number hi

I’ve gotten a couple Cobra offers in the past few years after leaving jobs, both of them with very solid to great health insurance, and haven’t seen a number higher than $1k/month (101% or whatever of the employer cost). What sort of insurance do you have to have to ask for $3-5K/month? That would be 36-60K a year! I’ve never seen a company paying close to that in benefits. And my current employer has a “cost to employer” under $1k/month for insurance. Have I just gotten lucky with companies with good negotiated deals? (The open exchange plans generally have looked terrible compared to any group plan I’ve had in the last 10 years.)