Health Insurance · Comparison
ACA Marketplace vs COBRA Health Insurance
When you lose employer health coverage, you have two main options: COBRA (continuing your employer's plan) or ACA marketplace coverage. COBRA is expensive but provides continuity. ACA marketplace plans may be significantly cheaper, especially with subsidies.
ACA Marketplace vs COBRA — Key Differences
| Feature | ACA Marketplace | COBRA |
|---|---|---|
| COBRA | continue your employer's plan | you pay full premium (employee + employer share + 2% admin) |
| ACA marketplace | new plan | may qualify for subsidies that make it significantly cheaper |
COBRA: typically $600–$1,800/month for a family | ||
ACA marketplace: subsidies cap premiums at 8.5% of income | ||
| COBRA | same doctors and network | ACA: new network, may need to change doctors |
| COBRA | 60-day election window | ACA: 60-day Special Enrollment Period from job loss |
The Patriot Plans Verdict
For most people, ACA marketplace coverage is significantly cheaper than COBRA, especially with subsidies. COBRA makes sense if you have ongoing treatment and need to keep your current doctors, or if you're close to meeting your deductible for the year.
Still Not Sure Which Is Right for You?
Patriot Plans is 100% independent. We compare both options from vetted carriers and recommend the one that's right for your specific situation — no sales pressure, no commissions driving our advice.