Honed Proof
COBRA vs marketplace: what does a year cost?
Job loss shouldn't mean guessing at coverage. Compare COBRA's full premium against marketplace plans at your real usage level.
See your cheapest path after a job loss
Enter the COBRA price from your election notice and one or two marketplace plans — we'll total the year.
CHEAPEST OPTION
$0
Break-even check
Before you decide
- COBRA is time-limited — usually 18 months — and it's typically the most expensive option. It buys you continuity: same doctors, same network, no reset deductible mid-year.
- Losing job coverage triggers a special enrollment period (usually 60 days) to join a marketplace plan outside open enrollment. Don't miss the window.
- Check subsidies at healthcare.gov — many people qualify for premium tax credits that cut the marketplace price far below COBRA.
- General guidance, not advice. This is a cost comparison, not a recommendation — confirm plan details with the marketplace or your benefits administrator.