Is COBRA cheaper than ACA Marketplace?
Quick Answer
Almost never. COBRA charges 102% of the full premium - typically $700-$2,000 per month. ACA Marketplace plans with premium tax credits cost far less for most laid-off workers because subsidies cap your share at about 8.5% of MAGI.
Warren Team
Updated March 13, 2026
36
Warren Team
Updated March 13, 2026
36
Important Disclaimer:
The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.
Get Personalized Advice
Schedule a free 15-minute consultation with our fiduciary advisors
Book Free Consultation