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COBRA vs Marketplace Calculator

After job loss — keep employer coverage or switch to ACA marketplace?

Employer's Total Monthly Premium

The full premium — what employer + you pay combined.

Employer's Share % (you used to pay only the rest)

Household Income (next 12 months)

Family Size

Marketplace saves you $6,564/year

$6,564

COBRA monthly$714

ACA expected monthly$167

Income % of FPL245%

ACA subsidies (PTC) cap your premium at 0-8.5% of income through 2025+. COBRA is rarely cheaper unless you've already hit deductible/OOP for the year.