About cobravsmarketplace

COBRA lets you keep your exact plan but you pay the full premium (up to 102% of it) — often a shock, since your employer used to cover most of it. The ACA Marketplace is the alternative, and many people qualify for a premium tax credit that lowers the cost. The two are rarely compared side by side, and there’s a hard 60-day deadline to switch.

cobravsmarketplace turns a few inputs — household size, region, estimated annual income, your COBRA premium, and how many months you need — into a clear cost comparison. It computes your income as a percentage of the 2025 federal poverty level, determines your 2026 premium-tax-credit eligibility, estimates the net premium for the benchmark Silver Marketplace plan using the published 2026 applicable-percentage table, and totals each option over your coverage gap. It also counts down the 60-day Special Enrollment deadline. Every figure follows a disclosed method — no black box — and runs entirely in your browser. It is informational only, not insurance, tax, or financial advice, and not affiliated with the IRS, CMS, or any insurer.

For 2026 the enhanced premium tax credits expired and the 400%-of-poverty subsidy cliff returned, so higher earners now pay full price. This tool reflects the 2026 rules, but they can change — always confirm at HealthCare.gov.

Informational only — not insurance, tax, or financial advice, and not affiliated with the IRS, CMS, or any insurer. Confirm your eligibility and get real quotes at HealthCare.gov or your state exchange.