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COBRA Alternative -- Compare Your Options
COBRA continues your exact former employer plan, but at the full premium plus an admin fee -- for many households, a Marketplace plan with a subsidy costs less for similar coverage.
Is this right for you?
- You were offered COBRA after leaving a job
- You want to compare its real cost to Marketplace options
- Your income during this transition may be lower than while employed
Your options
Same plan and network as before, but you now pay the full premium plus a service fee.
A new plan, but potentially with a premium tax credit -- especially if income during the gap is lower.
If available, sometimes the most cost-effective option -- worth checking eligibility and enrollment timing.
Common questions
Is COBRA always more expensive than a Marketplace plan?
Not always, but often -- it depends on your COBRA quote and whether you'd qualify for a subsidy on the Marketplace. Comparing the actual numbers is the only way to know.
How long do I have to decide between COBRA and Marketplace?
Both generally have their own enrollment windows -- an agent can confirm your specific deadlines so you don't lose either option.
Can I switch from COBRA to Marketplace later?
Generally only during Open Enrollment or if you have another qualifying event -- losing COBRA coverage itself can also open a window, worth confirming for your situation.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.