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. Paid links are marked rel="sponsored nofollow".

We only link to things that are genuinely useful, and a commission never changes what the calculator reports. Every figure follows the published methodology and the federal rules it cites.

Not insurance, tax, or financial advice. cobravsmarketplace applies published federal rules — the 2026 premium-tax-credit schedule (IRS Rev. Proc. 2025-25), the 2025 HHS poverty guidelines, and COBRA/Marketplace enrollment rules — to the numbers you enter. It does not know your exact plan options, your age-and-county premiums, or your state’s Medicaid rules, and it does not replace HealthCare.gov, a licensed insurance broker, or a tax professional. We are not affiliated with the IRS, CMS, HealthCare.gov, your former employer, or any insurer. Subsidy and premium figures are estimates and the rules can change — confirm your eligibility and get real quotes at HealthCare.gov or your state exchange.

Your privacy: this is a static, client-side tool. The income, premium, and dates you enter are processed in your browser and are never uploaded — there is no backend and nothing is logged.