wealthschema/archetypes/hc-03-cobra-benefits-gap-household
HC-03Healthcare & BenefitsAccumulationlow tax complexity

COBRA / Benefits Gap Household

Household in a benefits gap — recently laid off, between jobs, or early retiree not yet Medicare-eligible. COBRA, ACA marketplace, or short-term coverage decisions.

Fintech builders, financial software makers, and compliance teams use the HC-03 — COBRA / Benefits Gap Household archetype across six of WealthSchema's synthetic household data sets to model households matching the COBRA / Benefits Gap Household archetype without exposing real customer PII.

Age Range
28–55
Net Worth
$0–$100k
Cohort
Healthcare & Benefits

Schema fields covered

Every HC-03 household ships with — at minimum — these JSON fields populated. The full schema is documented in the data set you purchase.

members[].age
income.combined_gross
net_worth.total
filing_status
longitudinal.monthly[].net_cash_flow
longitudinal.monthly[].savings_rate
stress.scenarios[]
liquidity.months_of_expenses

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Life Stage

Formation
Accumulation
Preservation
Distribution
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