Modeling COBRA premiums

I recently retired at 61 and am receiving COBRA for 18 months, and my spouse is already retired and not yet Medicare-eligible. I wanted to share how I modeled COBRA premiums in case it is helpful to others and in case there is a better way.

Here's what I did:

1. Set my retirement date to the end of my full-time employment. (Let's say 3/1/2025).
2. Set spouse's retirement date as the last day of COBRA eligibility (9/1/2026), instead of their actual retirement date.
3. Set spouse's income to zero.
4. Enter COBRA premium in Period 2 ("1 spouse working") in the Healthcare Expenses table.

Downsides:

• Pralana models the COBRA premium as subject to inflation when it is in fact fixed for the coverage period. Fairly negligible in my specific case, but the effect could be larger for someone with longer COBRA eligibility.
• A single user of Pralana would have to add a spouse to their plan solely for the purpose of the workaround.
• Feels a little hacky 🤷.

Any suggestions for different ways to address this? I saw a couple references to COBRA in the forums but they didn't seem applicable to my scenario.