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Originally Posted by jyl
I am looking into this myself. My COBRA premium looks about the same as for a “Moda Bronze HSA” plan through the Marketplace.
The health insurance through my former work was not great - high deductible plan, the only $ we ever got was annual physicals and routine dental, so we pretty much paid for everything using the HSA. The Bronze plan might not be any better or worse.
Assuming no obvious difference in premium, coverage, benefits, is there any rule of thumb that you either go COBRA or go marketplace?
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As was mentioned earlier, there are brokers out there who are licensed to give advice by your state insurance commission on individual plans. My wife has met with one annually as she has to buy her insurance on the marketplace. One of the many flaws with the ACA is that employer plans, at least in our state, have pretty much stopped covering spouses even if the employee pays 100% of the cost. It's left us with no option but for her to buy crappy insurance and the broker has helped her navigate the choices each year. I think your time on COBRA is limited to 18 months so you have to get coverage at some point on your own.