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On Private Health Insurance Coverage & The Health Insurance Marketplace

Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues
Preguntas frecuentes sobre la inscripción a la cobertura de salud
Transitions from Medicaid to Private Insurance
Transiciones de Medicaid a seguro médico privado

QUESTION

I’m eligible for COBRA but haven’t elected it yet. Does that affect my eligibility for Marketplace subsidies?

Individuals with no coverage | Eligibility for Premium Tax Credits and Cost-Sharing Reductions |

ANSWER

If you are eligible for COBRA because you lost your job, just being eligible for COBRA doesn’t affect your eligibility for premium tax credits or cost-sharing assistance, as long as you don’t enroll in your COBRA plan. (26 C.F.R. § 1.36B-2(b), (c); IRS, Questions and Answers on the Premium Tax Credit.)