Ryan Stygar
speaker
1,363 appearances
1 recordings
1 series
first heard Jun 2026
last heard 29 Jun
Ryan Stygar’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Jun 2026 with 1.
Appearances
So when you leave that group health plan,
COBRA gives you the opportunity to stay on that plan.
Really, really important, especially like if you have kids, if you have a condition that needs ongoing care, or you just don't know where your coverage is going to come from because you lost your job.
This is really valuable.
The problem is COBRA, the United States is such an interesting place.
The employer can actually keep you on that plan and have you pay up to 102% of the premiums.
They can charge you the whole premium amount plus a 2% administrative fee.
So weirdly, it can be more expensive.
But if you go in and negotiate, you can get them to pay part of or that whole premium and you can get it extended for longer.
Longer than the initial offer.
I've seen the most disgustingly pitiful offers.
I've seen like one month of Cobra and you pay the whole premium.
I've seen 18 months of Cobra, but all paid by the company.
Like there's really a lot of flexibility there.
The most that I've seen is 36 months for some very unique situations, but I would caution people that that's not typical.
Those are interesting.
You can certainly, again, it's all negotiable.
And I have negotiated those for some very high earning senior level people who got let go.
Personally, I usually – it depends on the company.
Usually I'm like, dude, if we can just get you more severance, I mean that's better than stock and XYZ company that's a startup that has quote-unquote tons of potential.
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