COBRA vs ACA Cost Calculator
Compare continuation coverage vs. Marketplace plans
Lost your job or changing coverage? COBRA lets you keep your employer plan but at full price (+ 2% admin fee). Compare that to an ACA Marketplace plan with estimated premium tax credits.
Total cost (employer + your share)
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Disclaimer: This calculator provides estimates for educational and informational purposes only. It does not constitute tax, legal, financial, or medical advice. Results depend on individual circumstances and may not reflect your actual costs. Always consult a qualified professional (CPA, licensed insurance agent, or financial advisor) for decisions about your specific situation. Data reflects approximate 2026 figures from IRS, CMS, and HHS sources.
COBRA vs. ACA Marketplace: Which Is Cheaper?
After losing employer coverage, you have two main options: COBRA continuation or an ACA Marketplace plan. COBRA keeps your exact same plan but at full cost (employer + employee share + 2% admin fee). The ACA Marketplace offers subsidized plans based on your income. For most people earning under 400% of the Federal Poverty Level, the Marketplace is significantly cheaper thanks to premium tax credits.
Key consideration: losing employer coverage is a qualifying life event that triggers a 60-day Special Enrollment Period for Marketplace plans. COBRA also has a 60-day election window. You can elect COBRA retroactively while shopping the Marketplace.
Sources: IRS, CMS, HHS, KFF, Healthcare.gov.
Frequently Asked Questions
How much does COBRA cost?
COBRA costs the full employer premium (what you paid plus your employers share) plus a 2% administrative fee. For individuals this is typically $400-$700/month; families often pay $1,200-$2,000+/month.
How long can I stay on COBRA?
Federal COBRA allows 18 months of continuation coverage (36 months in some cases like divorce or death of the covered employee). Some states offer extended mini-COBRA for smaller employers.