COBRA vs. ACA Marketplace Calculator 2025
Lost employer coverage? Enter your details to see exactly how much you'd save by switching to a Marketplace plan instead of COBRA.
⏱ 60-Day Window: You have exactly 60 days from losing job-based coverage to enroll in a Marketplace plan under a Special Enrollment Period. COBRA is also available for up to 18 months — but can cost 3–5× more.
Your Information
Found in your COBRA election notice (includes employer's share + 2% admin fee)
2025 FPL for 1-person household: $15,650
Used to estimate the benchmark Silver plan premium in your area
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Fill in your details above to see the comparison
Takes about 30 seconds
Key Things to Know
COBRA costs more than it looks. Your employer was likely covering 70–80% of your premium. COBRA charges 100% plus a 2% admin fee — that's the full sticker price.
60-day enrollment window is strict. You have exactly 60 days from losing coverage to enroll in a Marketplace plan under a Special Enrollment Period. Missing this means waiting until Open Enrollment.
You can switch from COBRA later. Voluntarily dropping COBRA is itself a qualifying life event — triggering a 60-day SEP to enroll in a Marketplace plan.
COBRA keeps your doctors. Marketplace plans may have different networks. If continuity of care is critical (ongoing treatment, surgery scheduled), factor that in.
Based on 2025 FPL guidelines and ACA benchmark premium estimates by age. Actual Marketplace premiums vary by state, zip code, and plan. APTC calculated using the 8.5% income cap rule. This tool is for educational purposes only — verify your options at HealthCare.gov or with a licensed broker.