Should I take COBRA or ACA?
Quick Answer
Take ACA Marketplace coverage in most cases - subsidies through 2025 cap premiums at roughly 8.5% of MAGI versus COBRA's 102% of full premium. Choose COBRA only if mid-deductible with scheduled procedures or to retain hard-to-replace specialists.
Warren Team
Updated December 17, 2025
37
Warren Team
Updated December 17, 2025
37
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.
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