COBRA Costing You $600-1,500/Month? There's a Better Way
You Don't Have to Pay Full Price for Health Insurance.
COBRA is crushing your budget because you're paying 100% of the premium your employer used to subsidize—plus a 2% admin fee. Most Texans can get comparable ACA marketplace coverage for 50-90% less using premium tax credits.
Drowning in COBRA Costs?
- Paying $600-1,500/month for COBRA when you used to pay $100-300
- Burning through severance or savings to keep health insurance
- Worried about losing coverage but can't afford COBRA much longer
- Told COBRA is your "only option" after job loss
- Scared to switch plans because you don't know alternatives
- Already have medical bills you're trying to pay while paying COBRA
Save 50-90% vs COBRA
See exactly how much you'll save
Find out your subsidy amount
We coordinate the switch seamlessly
Why Act Now:
- • Save thousands before COBRA runs out
- • Special Enrollment deadline is 60 days
- • Stop draining your savings account
- • Lower monthly costs starting next month
Free consultation and enrollment
COBRA vs ACA: Real Cost Comparison
See how much Texas families actually save by switching from COBRA
Single Person, Age 35
COBRA Cost:
$650/mo
$7,800/year
ACA with Tax Credits:
$85/mo
$1,020/year
Saves $6,780/year
(87% savings)
Family of 3, Age 42
COBRA Cost:
$1,400/mo
$16,800/year
ACA with Tax Credits:
$320/mo
$3,840/year
Saves $12,960/year
(77% savings)
Couple, Ages 58 & 55
COBRA Cost:
$1,800/mo
$21,600/year
ACA with Tax Credits:
$450/mo
$5,400/year
Saves $16,200/year
(75% savings)
Actual Savings Vary
Your subsidy depends on household income and family size. Contact us for a free personalized calculation based on your situation.
Your COBRA Alternatives
ACA Marketplace Plans with Premium Tax Credits
These are comprehensive health plans that cover all essential health benefits. Losing your job qualifies you for a Special Enrollment Period, and most people get subsidies that cut premiums by 50-90%.
Pros:
- 50-90% cheaper than COBRA with tax credits
- Covers pre-existing conditions
- Out-of-pocket maximums protect you
- 10 essential health benefits required
Cons:
- Different doctors/network than COBRA
- Need to file taxes to claim credits
Join Your Spouse's Employer Plan
Losing your job is a qualifying event that lets you join your spouse's employer plan mid-year. You have 30-60 days (check their plan rules) to enroll.
Pros:
- Usually less than COBRA
- Employer subsidizes part of premium
Cons:
- Limited enrollment window
- Plan quality varies by employer
Short-Term Health Insurance
Temporary plans that are cheap but have major gaps. They can deny coverage for pre-existing conditions, have lifetime maximums, and don't cover many services.
Pros:
- Very cheap premiums ($100-300/mo)
- Fast approval, immediate coverage
Cons:
- Doesn't cover pre-existing conditions
- Can have annual/lifetime limits
- Can deny claims or cancel policy
How to Switch from COBRA
We make the transition seamless with no coverage gaps
Contact Us Within 60 Days of Job Loss
Losing employer coverage gives you a Special Enrollment Period. You have 60 days from your job loss date to enroll in an ACA marketplace plan.
Calculate Your Premium Tax Credits
We estimate your household income for this year and calculate your subsidy. Most people are shocked by how much they save—even middle-income families qualify.
Tax credit eligibility: Household income between 100%-400% of Federal Poverty Level. For 2025, that's $15,060-$60,240 for individuals or $31,200-$124,800 for a family of 4.
Compare Plans & Choose the Best One
We show you ACA marketplace plans that cover your doctors and medications. You'll see the AFTER-subsidy cost—usually $50-500/month vs $600-1,500 for COBRA.
We check: Which plans include your doctors? Which cover your prescriptions cheaply? What's your total annual cost (premium + deductible + max out-of-pocket)?
Enroll & Coordinate Coverage Dates
We enroll you in the ACA plan and coordinate the start date. If you've already started COBRA, we time it so your ACA plan starts the month after you cancel COBRA—no gap in coverage.
Important Timing Rules
✓ GOOD: Refuse COBRA
If you decline COBRA within the 60-day election period, you can enroll in an ACA plan with premium tax credits immediately.
This is usually the smartest financial move unless you need to stay on your employer's specific network for a short time.
✓ GOOD: Cancel During Open Enrollment
If it's Open Enrollment (Nov 1-Jan 15), you can cancel COBRA and enroll in an ACA plan with tax credits.
This is a great time to switch if you've been stuck on expensive COBRA.
✓ GOOD: Wait for COBRA to Expire
When COBRA ends (usually 18 months max), you get a 60-day Special Enrollment Period for ACA plans with subsidies.
This triggers another chance to get tax credits after COBRA runs out.
✗ BAD: Cancel COBRA Outside Enrollment Windows
Voluntarily canceling COBRA outside Open Enrollment does NOT trigger a Special Enrollment Period. You'll be uninsured until the next Open Enrollment.
DON'T DO THIS! You'll lose access to subsidized ACA plans and have no health coverage.
Critical Warning
Timing matters. Contact us BEFORE canceling COBRA so we can coordinate the switch properly and ensure you don't lose access to premium tax credits or end up uninsured.
Stop Draining Your Savings on COBRA
Get affordable ACA coverage with premium tax credits—save 50-90% vs COBRA
Free consultation, no obligation. We've helped hundreds of Texans replace expensive COBRA with affordable ACA marketplace plans.
