I recently left EDJ. They had told me all along that I was paying 100% of my insurance premiums (after the intro subsidized period). $328 per month for a HSA high deductible family plan is the current rate. Then they hit me with a $560 per month COBRA premium. When pressed they tell me that they have a SELF insured plan and that now they can charge me the premium AND the cost of claims paid out by the plan. Is this legal? Is this standard for COBRA? On a traditional plan if I understand correctly they charge the premiums to the former employee. Why is it so screwed up for self insured plans. Seems like a raw deal.