COBRA vs Marketplace Calculator
After job loss — compare COBRA and ACA Marketplace plans by total cost.
COBRA vs ACA Marketplace Calculator — After Job Loss
Lost your job? You have 60 days to decide between COBRA (keep your old plan, pay full price) and ACA Marketplace insurance (potentially cheaper with subsidies). This calculator compares total cost over your coverage period.
How to use this tool
- 1
Enter COBRA monthly premium
Usually your full employer + employee share + 2% admin fee.
- 2
Enter ACA Marketplace premium
And expected subsidy (lower income = bigger subsidy).
- 3
Add expected medical costs for both
OOP estimate.
- 4
Set months you need coverage
Until your next job's coverage starts.
Pro tips
- Job loss qualifies you for ACA special enrollment + bigger subsidies — even mid-year.
- You have 60 days to elect COBRA — use that window to compare Marketplace options first.
- COBRA preserves your exact network and any in-progress treatment (no breaks in care).
- If you're between jobs and unemployed, your subsidy is calculated on projected income — which is now low.
Frequently asked questions
How long does COBRA last?
Usually 18 months, extending to 36 months in some cases (death of covered employee, divorce, etc.).
Are pre-existing conditions covered on Marketplace?
Yes — all ACA-compliant plans must cover pre-existing conditions without surcharge.
Can I switch from COBRA to Marketplace later?
Only during open enrollment (Nov 1–Jan 15) or with another qualifying life event. Don't drop COBRA without Marketplace coverage lined up.
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