ACA subsidy estimator
Estimate your advance premium tax credit and what a benchmark plan might cost you each month.
Tools ·
2026 plan year
COBRA vs Marketplace plan comparison
COBRA keeps the plan you already have, at full price. A Marketplace plan may qualify for a premium tax credit. This compares the two across the remaining months of the year — including the deductible you have already paid down, which only counts on the COBRA side.
What this assumes
- Compares total cost across the remaining months of the calendar year, not just monthly premiums.
- Deductible already met this year carries over on COBRA and resets to zero on a new Marketplace plan.
- The Marketplace figure uses the credit estimated from the income and household size you enter.
- Does not price continuity of care — if you are mid-treatment, that can outweigh the cost difference entirely.
- COBRA election windows and Marketplace Special Enrollment Periods both run on 60-day clocks. Decide early.
Talk it through with Sarah
An estimate is a starting point. Sarah can look up the real figures for your county, check your doctors and prescriptions, and tell you what the numbers actually mean for you.
This is an estimate, not a quote. Estimates only. Figures on this page use published 2026 plan-year values and the details you enter. They are not a quote, an offer of coverage, or a determination of eligibility. Your final premium and any advance premium tax credit are confirmed at enrollment on HealthCare.gov or with the carrier. CUPS Insurance is not affiliated with, endorsed by, or operating on behalf of HealthCare.gov, the Health Insurance Marketplace, or any federal or state government agency. Plan availability, premiums and advance premium tax credits are set by the carriers and the Marketplace.
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