Job Loss & Risk
COBRA vs Marketplace
Compare COBRA against a subsidized marketplace plan over the months you need coverage.
Savings With the Cheaper Plan
$0
Over the months you need coverage
COBRA Total
$0
Marketplace Total
$0
Total Cost: COBRA vs Marketplace
💡 The Cheaper Route
COBRA vs Marketplace Health Insurance Calculator
The COBRA vs Marketplace Health Insurance Calculator compares two ways to stay covered between jobs. COBRA keeps your existing plan but charges the full unsubsidized premium, while a marketplace plan may qualify for income-based subsidies. You enter the monthly COBRA premium, the marketplace premium, the months you need coverage, and any monthly subsidy, and it returns the total cost of each and the savings from the cheaper option. Use it during a coverage gap so you do not overpay for the default choice.