Healthcare is just another cost in your life and you should view the benefit as part of your TC. It's only slightly distorted here in that companies can use pre

Healthcare is just another cost in your life and you should view the benefit as part of your TC. It's only slightly distorted here in that companies can use pretax money but it isn't like it's a small expense to companies either. I've personally never used Cobra, because it is in fact cheaper to buy individual plans.