COBRA Calculator
Calculate COBRA continuation cost vs marketplace alternatives. See total cost for 18-36 months.
Monthly COBRA Cost
$612.00
Total (18 mo)
$11,016.00
Cheaper Option
Marketplace
COBRA Cost Breakdown
| Full Monthly Premium | $600.00 |
| COBRA Admin Fee (2%) | + $12.00 |
| Monthly COBRA Cost | $612.00 |
| You Used to Pay | $150.00 |
| Monthly Increase | + $462.00 |
| Total COBRA (18 months) | $11,016.00 |
COBRA vs Marketplace
| Monthly COBRA | $612.00 |
| Monthly Marketplace | $400.00 |
| Monthly Difference | $212.00 |
| Total COBRA (18 mo) | $11,016.00 |
| Total Marketplace (18 mo) | $7,200.00 |
| Total Savings with Marketplace | $3,816.00 |
COBRA makes sense when: You are mid-treatment, your plan has a better network, or you have already met your deductible.
Marketplace makes sense when: You qualify for ACA subsidies (income below 400% FPL), you want lower premiums, or you need long-term coverage.
ACA Subsidy: If your household income is under ~$60K (single) or ~$124K (family of 4), you may qualify for premium tax credits on the marketplace.
Use the COBRA Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
You might also need
HSA Calculator
Calculate HSA tax savings, investment growth, and projected balance at retirement. See the triple tax advantage in action.
BMI Calculator
Calculate your Body Mass Index (BMI) with height and weight. See your BMI category and healthy weight range.
Calorie Calculator (TDEE)
Calculate daily calories for maintenance, weight loss, or gain using the Mifflin-St Jeor equation and your activity level.