COBRA vs. ACA Marketplace Guide — Which Is Cheaper After Job Loss

When you lose your job, you have 60 days to decide on health insurance — and most people don't know their options. This guide walks you through the comparison so you can make the right decision without overpaying. INCLUDED: • COBRA vs. Marketplace side-by-side comparison worksheet • ACA subsidy estimator by income and family size (2026 data) • The 60-day decision checklist — what to check before choosing • When COBRA actually makes sense (and when marketplace wins) • Script for getting your COBRA premium quote from HR • Income threshold table — how much subsidy you might qualify for ✅ Instant PDF download ✅ Fill-in-the-blank comparison calculator ✅ Based on 2026 federal guidelines

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