When you lose employer coverage, you have a short window to choose. COBRA keeps your exact plan — but you're now paying the full price. The ACA Marketplace may be significantly cheaper, especially if your income qualifies you for a subsidy.
COBRA
Keep Your Exact Plan
$400–$950/mo
Full premium (employer + employee share) + 2% admin fee
✓Same doctors, same network, zero disruption
📋Same deductible as your employer plan
⏰60 days to elect — don't miss the deadline
🩺 Best for: Active treatment or care mid-year
ACA Marketplace
Subsidy-Eligible Plans
Varies —
Based on your income (see below)
🔍New network — verify your doctors are in-network
📋Silver plans: $1,500–$4,500 deductible
💡Income-based premium tax credits can reduce cost dramatically
🌿 Best for: Healthy adults, income under ~$60K
Estimate your ACA subsidy
Enter your estimated annual income to see if you qualify for premium tax credits.
Compare estimated annual plan costs
For each plan, the estimate adds the annual premium you enter to your own annual out-of-pocket estimate.
Enter a non-negative dollar amount for each field.
This is an educational estimate and does not assess plan coverage, eligibility, or actual plan costs.
Contact your former employer's HR department to request your COBRA election notice. You have 60 days from your coverage end date to elect COBRA — the clock starts on your last day of employment. Once elected, you have 45 days to pay the first premium. Contact your former HR team directly for the election packet.
These are educational estimates based only on user-entered figures and do not determine coverage, eligibility, subsidies, or actual costs. NudgeWell is not a licensed insurance broker.