#risk-resilience

We ran a $650/month COBRA premium against a subsidized ACA marketplace plan over a 4-month job-loss bridge — COBRA's actual cost of $663/month vs $210/month after subsidy adds up to $1,812 in savings.

We ran a $400,000 replacement-cost home insured for $280,000 (70%, below the standard 80% coinsurance requirement) through the calculator — a $50,000 partial loss pays out $43,750, not the full amount.

We ran $800,000 of net worth against a $300,000 underlying liability limit — a $500,000 exposure gap that a $1M umbrella policy closes entirely for $0.20 per $1,000 of coverage.