Disclosure
Disclosure
Transparency about links, funding, advice, and your data — per FTC guidance.
cobravsmarketplace is free. Some outbound links — for example to health-insurance marketplaces, licensed-broker or quote services, or related financial tools — may be affiliate links: if you sign up through them we may earn a commission at no extra cost to you. A commission never changes what the calculator reports.
Not insurance, tax, or financial advice. The tool applies published federal rules (the 2026 premium-tax-credit schedule, the 2025 HHS poverty guidelines, and COBRA/Marketplace enrollment rules) to the numbers you enter; it does not know your exact plan options or age-and-county premiums and does not replace HealthCare.gov, a licensed broker, or a tax professional. We are not affiliated with the IRS, CMS, HealthCare.gov, or any insurer. Figures are estimates and rules can change — confirm at HealthCare.gov.
Your privacy: this is a static, client-side tool — everything you enter stays in your browser and is never uploaded.