4 ms·
IME, COBRA is almost always a better deal than the marketplace offerings typically, unless you qualify for marketplace-only subsidies. COBRA premiums for whate
by candiddevmike 2y ago
IME, COBRA is almost always a better deal than the marketplace offerings typically, unless you qualify for marketplace-only subsidies. COBRA premiums for whatever reason are hundreds of dollars (or more) cheaper than marketplace plans.
- philwelch 2y agoI’ve consistently had the exact opposite experience.
- deleted 2y ago[deleted]
- cornel_io 2y agoIt depends heavily on location. When I last ended up on Cobra in California it was a touch more expensive than the marketplace plan but my work plan was much better than the best available on the marketplace so it was worth it to go Cobra.
- keyserj 2y agoI've also had the opposite experience. My workplace plan through COBRA was around $500/mo, while only the highest-end marketplace plans were around that range. I took a middle-end plan at ~$300/mo. To be fair I hadn't looked closely at what all my workplace plan covered, but I was doing physical therapy when I switched that wasn't covered (had to reach high deductible) on my workplace plan and was covered on my marketplace plan! (I'm in Illinois)