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Arizona COBRA vs Marketplace Cost Calculator
COBRA keeps the plan you already have, at full price. A Marketplace plan on HealthCare.gov may qualify for a premium tax credit. This compares the two across the months left in the year, including the deductible you have already paid down, which only counts on the COBRA side.
In clients' words
What working with Viola looks like
Viola is amazing to work with she really helped my aunt get on the correct insurance plan that meet her health needs! It was so easy to communicate with Viola. She makes sure she reviews our plan every year and educates us on any changes. We have peace of mind which is hard to come by with health insurance!
Verbatim client reviews from the agency's public profiles (5.0 stars from 49 Google reviews). Read all reviews.
Estimates only. Estimates only. Figures on this page use published plan-year values and the details you enter. They are not a quote, an offer of coverage, or a determination of eligibility. Your final premium and any tax credit are confirmed at enrollment with the carrier or HealthCare.gov. Everything is calculated in your browser; nothing you type is sent to us or anyone else.
What this assumes
- Compares total cost across the remaining months of the calendar year, not just monthly premiums.
- Deductible already met this year carries over on COBRA and resets to zero on a new Marketplace plan.
- Assumes the COBRA plan has a deductible similar to the Marketplace plan you enter.
- Does not price continuity of care. If you are mid-treatment, that can outweigh the cost difference.
- COBRA elections and Marketplace Special Enrollment Periods both run on roughly 60-day clocks. Decide early.
- An estimate from published figures and the numbers you enter, not a quote or an eligibility decision.
Talk it through with Viola
An estimate is a starting point. Viola Lucero, CLTC, and the team at Rise Up Benefits Group in Chandler can look up the real figures for your situation, check your doctors and prescriptions, and explain what the numbers mean for you. We speak insurance, so you don't have to.
Or see real Marketplace plans for your ZIP code:
Rise Up Benefits Group is not affiliated with, endorsed by, or operating on behalf of HealthCare.gov, the Health Insurance Marketplace, or any federal or state government agency. Plan availability, premiums and advance premium tax credits are set by the carriers and the Marketplace.
Common questions
Is COBRA or an ACA plan cheaper in Arizona?
It depends on your income, your premiums and how much of your deductible you have already met. COBRA is usually full price, while a HealthCare.gov plan may come with a premium tax credit. This calculator compares the totals for the rest of the year.
Can I drop COBRA and switch to a Marketplace plan?
Losing job-based coverage gives you a 60-day Special Enrollment Period. If you choose COBRA and then drop it voluntarily outside Open Enrollment, that alone does not give you a new Special Enrollment Period.
How long do I have to choose COBRA?
You generally have 60 days from your election notice or the date coverage ends, whichever is later, and coverage is retroactive once you pay.
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2160 North Alma School Road, Suite 102, Chandler, AZ 85224 · (480) 300-5776