COBRA vs Marketplace Calculator (2026)
2026 plan-year rules · runs entirely in your browser, nothing is stored · Last reviewed July 2026
Enter the COBRA premium from your election notice and your expected income for the whole calendar year (subsidies use the full-year number, not your old salary). The verdict takes about 20 seconds.
Compare 2026 plans and prices side by side
Licensed marketplaces and brokers can show you every plan available at your address — including ones with better networks or lower deductibles than your current plan.
Free to use · No obligation · How we make money