When COBRA is actually worth it
COBRA makes sense mid-deductible (progress carries over), when your doctors are out-of-network on marketplace plans, or when you need a 1–2 month bridge to new employer coverage. Otherwise, ACA plans with subsidies are usually dramatically cheaper.
- • You have 60 days to elect COBRA — it applies retroactively if you do.
- • ACA enrollment from job loss must happen within 60 days of losing coverage.
- • COBRA can be cheaper than ACA without a subsidy if you use little care and want the same network.
Related guides
Long-form playbooks on the same topic, written by the RevenueLab editorial team.
FAQ
Why is COBRA so expensive?
You see the full price for the first time: the average employer plan costs ~$750/mo single and ~$2,100/mo family, of which employers pay most. COBRA passes 100% plus a 2% fee to you.
Can I switch from COBRA to an ACA plan later?
Only during open enrollment or if you exhaust COBRA entirely — voluntarily dropping COBRA mid-term is NOT a qualifying event. Choose carefully at the start.
How long does COBRA last?
18 months after job loss or reduced hours, up to 36 months for qualifying family events (divorce, death of the employee, aging off a parent's plan).
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