What is the difference in health insurance continuation costs between electing COBRA and taking a lump sum health stipend in a severance deal for a sixty year old?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the difference in health insurance continuation costs between electing COBRA and taking a lump sum health stipend in a severance deal for a sixty year old?
3 real searches · 1 real-search pass
COBRA continuation coverage 102 percent premium 18 months Department of Labor 2026Google ↗
OBSERVEDOther / navigational
HealthCare.gov loss of job based coverage special enrollment period premium tax credit severance stipend taxable incomeGoogle ↗
OBSERVEDConsequence
IRS severance health insurance stipend taxable COBRA premiums tax treatmentGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 2 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
COBRA continuation coverage 102 percent premium 18 months Department of Labor 2026 Google ↗
HealthCare.gov loss of job based coverage special enrollment period premium tax credit severance stipend taxable income Google ↗
IRS severance health insurance stipend taxable COBRA premiums tax treatment Google ↗
- A Worker’s Guide to Health Benefits Under COBRA · dol.gov
- An Employer's Guide to Group Health Continuation Coverage Under COBRA · dol.gov
- Publication 525 (2025), Taxable and Nontaxable Income · irs.gov
- Publication 15-B (2026), Employer’s Tax Guide to Fringe Benefits · irs.gov
- 2026 Publication 15-B · irs.gov
- See Your Options If You Lose Job-Based Health Insurance · healthcare.gov
- Getting health coverage outside Open Enrollment · healthcare.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
COBRA continuation coverage 102 percent premium 18 months Department of Labor 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
HealthCare.gov loss of job based coverage special enrollment period premium tax credit severance stipend taxable income OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
IRS severance health insurance stipend taxable COBRA premiums tax treatment OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |