Laid Off? Here’s Why You Should Skip COBRA and Look at ACA Plans First

Got Laid Off? Don’t Automatically Choose COBRA

When you lose your job, you’ll likely be offered COBRA.

But here’s the problem:👉 COBRA is often extremely expensive

What Is COBRA?

COBRA allows you to keep your employer plan, but:

• You pay the full premium

• Plus administrative fees

Typical cost:💸 $600–$1,200/month (or more)

What Is an ACA Plan?

ACA Marketplace plans are:

• Income-based

• Subsidized by the government

• Available during a Special Enrollment Period after job loss

ACA vs COBRA: Quick Comparison

Feature	COBRA	ACA
Monthly Cost	High	Often $0–low
Coverage	Same as employer	Comprehensive
Flexibility	Limited	Multiple options

Why ACA Is Usually the Better Option

Most people who lose their job qualify for:✅ Lower monthly premiums✅ Cost savings subsidies✅ Flexible plan choices

When COBRA Might Make Sense

• You’ve already met your deductible

• You’re mid-treatment with specific providers

Otherwise, ACA is usually more cost-effective.

How to Compare Plans Quickly

Instead of guessing, you can see real pricing instantly.

👉 Compare plans online here:https://www.aura-insure.com

No calls required.

Bottom Line

Before committing to COBRA, take 2 minutes to compare ACA plans.

👉 You could save hundreds per month.