I just got laid off. I am eligible for the 6-month COBRA subsidy, but also eligible for enhanced marketplace subsidies for UI recipients. Can I choose the option that is best for me?

Yes, can choose.  Eligibility to elect COBRA does not change eligibility for marketplace subsidies, or vice versa.  If you are receiving UI benefits, you will also be eligible to enroll in a zero-premium marketplace plan with comprehensive cost sharing subsidies.  

As you consider your options, you will want to compare provider networks, cost sharing, covered benefits, and other plan features.  Also the COBRA subsidy ends after September 30, 2021.  At this time, federal agencies have not announced whether people will have a special enrollment period to enroll in marketplace coverage when the COBRA subsidy ends.  This FAQ will be updated as more information becomes available.

While we have made every effort to provide accurate information in these FAQs, people should contact the health insurance Marketplace or Medicaid agency in their state for guidance on their specific circumstances.

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Washington Offices and Barbara Jordan Conference Center: 1330 G Street, NW, Washington, DC 20005 | Phone 202-347-5270

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Filling the need for trusted information on national health issues, the Kaiser Family Foundation is a nonprofit organization based in San Francisco, California.