Home / COBRA cost by state

COBRA Insurance Cost by State: 2026 Estimates & ACA Alternatives

Browse estimated 2026 COBRA insurance costs by state and compare them with ACA Marketplace premium estimates before subsidies.

Updated May 2026Educational estimateNo signup required

Compare your state

Use the table below as an educational baseline. The COBRA value estimates a full employer-plan premium, while the Marketplace value is a pre-subsidy estimate. Your real premium depends on ZIP code, age, tobacco status, plan level, and household income.

Open calculator
Interactive planner

Try a quick COBRA vs Marketplace scenario

Move the sliders below to test how coverage months and expected medical bills can change the COBRA vs Marketplace decision.

COBRA estimate$0
Marketplace estimate$0
Difference$0
Calculating your quick recommendation...

2026 estimated COBRA insurance cost by state

StateEstimated COBRA / monthEstimated ACA / month before subsidyCOBRA minus ACA
Alabama (AL)$615$495$120
Alaska (AK)$950$830$120
Arizona (AZ)$635$475$160
Arkansas (AR)$595$445$150
California (CA)$785$565$220
Colorado (CO)$695$525$170
Connecticut (CT)$815$645$170
Delaware (DE)$745$595$150
Florida (FL)$645$465$180
Georgia (GA)$655$485$170
Hawaii (HI)$715$535$180
Idaho (ID)$615$465$150
Illinois (IL)$725$555$170
Indiana (IN)$685$535$150
Iowa (IA)$645$515$130
Kansas (KS)$665$545$120
Kentucky (KY)$625$485$140
Louisiana (LA)$695$575$120
Maine (ME)$735$585$150
Maryland (MD)$715$525$190
Massachusetts (MA)$845$615$230
Michigan (MI)$655$465$190
Minnesota (MN)$675$495$180
Mississippi (MS)$615$505$110
Missouri (MO)$665$535$130
Montana (MT)$685$555$130
Nebraska (NE)$725$605$120
Nevada (NV)$645$485$160
New Hampshire (NH)$755$575$180
New Jersey (NJ)$825$635$190
New Mexico (NM)$635$475$160
New York (NY)$895$725$170
North Carolina (NC)$675$515$160
North Dakota (ND)$655$525$130
Ohio (OH)$645$495$150
Oklahoma (OK)$635$505$130
Oregon (OR)$715$545$170
Pennsylvania (PA)$735$565$170
Rhode Island (RI)$785$595$190
South Carolina (SC)$665$525$140
South Dakota (SD)$695$585$110
Tennessee (TN)$645$505$140
Texas (TX)$655$495$160
Utah (UT)$615$455$160
Vermont (VT)$855$705$150
Virginia (VA)$725$545$180
Washington (WA)$755$585$170
Washington D.C. (DC)$835$625$210
West Virginia (WV)$815$745$70
Wisconsin (WI)$715$565$150
Wyoming (WY)$895$795$100

All state COBRA insurance guides

Alabama COBRA costAlaska COBRA costArizona COBRA costArkansas COBRA costCalifornia COBRA costColorado COBRA costConnecticut COBRA costDelaware COBRA costFlorida COBRA costGeorgia COBRA costHawaii COBRA costIdaho COBRA costIllinois COBRA costIndiana COBRA costIowa COBRA costKansas COBRA costKentucky COBRA costLouisiana COBRA costMaine COBRA costMaryland COBRA costMassachusetts COBRA costMichigan COBRA costMinnesota COBRA costMississippi COBRA costMissouri COBRA costMontana COBRA costNebraska COBRA costNevada COBRA costNew Hampshire COBRA costNew Jersey COBRA costNew Mexico COBRA costNew York COBRA costNorth Carolina COBRA costNorth Dakota COBRA costOhio COBRA costOklahoma COBRA costOregon COBRA costPennsylvania COBRA costRhode Island COBRA costSouth Carolina COBRA costSouth Dakota COBRA costTennessee COBRA costTexas COBRA costUtah COBRA costVermont COBRA costVirginia COBRA costWashington COBRA costWashington D.C. COBRA costWest Virginia COBRA costWisconsin COBRA costWyoming COBRA cost

Official sources used

This educational guide links to official federal resources so readers can verify the COBRA and Marketplace rules before making coverage decisions.

DOL: COBRA continuation coverageHealthCare.gov: COBRA and Marketplace optionsHealthCare.gov: losing job-based coverageHealthCare.gov: pre-existing conditions
Disclaimer: State averages are educational planning estimates, not quotes. Use HealthCare.gov or your state Marketplace for exact plan prices.