Work out your COBRA premium (the full cost of your work plan plus a 2% admin fee) and compare it with a rough estimate for an ACA Marketplace plan.
Your health coverage details
$
Your share of the premium, taken from your paycheck.
$
Check box 12, code DD on your W-2 (the yearly total for both shares) or ask HR. On COBRA you pay both shares.
Fills in the employer share from a rough ballpark of total plan cost. It is not your plan's real price.
$
What you expect to earn this year. Used to check for Marketplace savings and Medicaid.
Sets your federal poverty level (FPL), the income yardstick used for health coverage help.
Marketplace plans cost more as you get older.
Options comparison
COBRA monthly premium
$0
The COBRA figure is exact for the premiums you enter (plans may charge up to 102% of the full premium). The Marketplace and short-term prices are rough estimates from a simple age-based formula, not real quotes, and the tax credit is an estimate using 2026 rules: the temporary extra credits ended after 2025, so there is no credit above 400% of the poverty level. Poverty levels shown are for the 48 contiguous states. Check healthcare.gov or your state exchange for real prices.