COBRA vs ACA Marketplace Calculator
Just lost job-based coverage? See which option saves you more money.
Key Things to Know
COBRA costs more than you think. Your employer was likely covering 70–80% of your premium. On COBRA, you pay 100% plus a 2% admin fee.
You have 60 days to decide. The clock starts when you lose coverage — not when you get the COBRA notice.
ACA subsidies are based on income. If your income is under 400% FPL (~$60K for one person), you almost certainly qualify for a reduced premium.
Under 250% FPL? Silver plans include extra savings. Cost-Sharing Reductions (CSRs) lower your deductibles and out-of-pocket costs dramatically — only available on Silver plans.