When COBRA Might Be Best

I didn’t say never, y’all know better. There are times that COBRA is best, they are NOT trivial.

If you have serious illness (you or someone else covered), and it requires known, ongoing healthcare services, you need to actually CHECK the fine print, because the out-of-pocket maximum can be notably lower than the out of pocket maximum in an ACA-compliant plan.

If your employer pays the COBRA premium, as a result of corporate reorganization.

If you live in a very expensive healthcare state, and your employer has employees in multiple states. We spend time in cherry-picking (when I wear that particular hat), so it can be that COBRA is actually less than the APTC-adjusted premium because of the fact that you live in AZ, NY, FL, TX? Yes that is entirely possible.