COBRA vs Marketplace — which is better?
Last updated Jul 22, 2026
Published by All Direct Answers · Licensed under Citation License 1.0
COBRA lets you keep your former employer's plan for up to 18 months but you pay the full premium plus a small admin fee, while a Marketplace plan is a fresh ACA-qualified plan that may cost less because you can receive the Premium Tax Credit, according to HealthCare.gov (2026); losing job-based cove…
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