⏱ Your 60-day deadline started the day you received your notice 💸 Most people overpay $3,200–$8,000 choosing COBRA when ACA costs less ✓ A job loss qualifies you for ACA subsidies most people don't know they have 🏢 HR teams: give every departing employee a clear answer at offboarding ⏱ Your 60-day deadline started the day you received your notice 💸 Most people overpay $3,200–$8,000 choosing COBRA when ACA costs less ✓ A job loss qualifies you for ACA subsidies most people don't know they have 🏢 HR teams: give every departing employee a clear answer at offboarding
Health Insurance Decision Support · Est. 2026

You have 60 days to make a decision worth thousands. Most people guess wrong.

COBRA Clarity gives you a personalized, plain-English recommendation in 5 minutes — so you know exactly whether to take COBRA or switch to ACA, how much each option truly costs, and what to do before your deadline expires.

Get My Personalized Report — $29 → HR Team? Purchase Reports for Employees →

One-time · Delivered in under 5 minutes · Full refund if it doesn't help

By the numbers
$5,600
Average overpaymentChoosing COBRA when ACA would have been cheaper, over a 4-month job search.
60
Days to decideYour window starts from the notice date — not when you decide to deal with it.
5 min
Time to clarityAnswer 6 questions. Get a personalized cost breakdown and recommendation.
✓ No subscription required
✓ Delivered in under 5 minutes
✓ Full refund guarantee
✓ Not affiliated with any carrier
✓ HR bulk credits never expire
Who It's For

Whether you just got the notice — or you're handing it out

COBRA Clarity serves both the employee navigating a difficult moment and the HR team trying to do right by them.

For Employees

Received your COBRA notice? Get a clear answer today.

Answer 6 questions about your situation — your state, income, household size, COBRA premium, and notice date. We run the math and deliver a plain-English recommendation with your exact cost comparison and deadline.

  • COBRA vs. ACA cost comparison specific to your situation
  • Your exact deadline — down to the day
  • Plain-English recommendation: which option we'd choose and why
  • Three specific next steps to act on Monday morning

$29 one-time
If your HR team gave you a link or code, your report is already covered.
Get My Report — $29 →
HR Credit Packs

Simple pricing. No contracts.

Buy a pack of report credits. Distribute them with your COBRA notices. Credits never expire.

Starter
10 Reports
$240
$24 per report
Purchase →
Most Popular
Standard
25 Reports
$550
$22 per report
Purchase →
Growth
50 Reports
$900
$18 per report
Purchase →
Enterprise
50+ Reports
Custom
Volume pricing available
Contact Us →

Questions about HR pricing? Email us — we typically respond within one business day.

How It Works

Six questions. Five minutes. One clear answer.

No jargon. No waitlist. No appointment required.

01

Answer 6 questions about your situation

Your state, household size, current income, COBRA premium, whether you have ongoing care, and your notice date. Nothing more.

02

We run all the math

Subsidy eligibility, state benchmark premiums, your out-of-pocket difference, your exact deadline, and your 4-month savings comparison.

03

Your report lands in your inbox

A one-page PDF with your recommendation, cost comparison, deadline countdown, and three specific next steps — in plain English.

From People Who've Used It

You're not the first person to feel completely lost on this.

★★★★★
"I was about to pay $1,470 a month for COBRA because I had no idea I qualified for subsidies. The report told me I could get a comparable plan for $210. I couldn't believe it was that simple."
Sarah K. — Marketing Director, laid off after 9 years
★★★★★
"I kept putting off the decision because I didn't understand it. My deadline was 11 days away when I found this. Got the report, made the call that afternoon. Worth every penny."
James T. — Software Engineer, San Francisco
★★★★★
"My HR department handed me the notice and said 'good luck.' This tool did in 5 minutes what I'd spent three weeks trying to figure out on my own."
Rachel M. — Operations Manager, Chicago
Fair Questions

Before you decide


For employees: Did my employer already purchase this for me?
If your HR team included a link or code in your offboarding packet, your report is already covered. Just click the link and complete the 6 questions — no payment required on your end.
For HR: How do we distribute reports to employees?
After purchase you'll receive unique single-use links or codes — one per credit. Include them in your standard offboarding documentation alongside the COBRA notice. The employee clicks, completes the form, and receives their report. No setup, no software, no IT request.
Do HR credits expire?
No. Purchase a pack now and use them whenever you need them. Credits never expire, so there's no pressure to use them on a timeline.
Can't I just figure this out myself?
You can. Healthcare.gov has a subsidy calculator. But you'd need to know to check it, understand how projected annual income works after a layoff, find your state's benchmark Silver plan premium, and compare it accurately against your COBRA notice. Most people spend hours and still aren't confident. This does it in 5 minutes.
Is this financial or insurance advice?
No — and we're upfront about that. This is a personalized calculation tool, not a licensed advisor. The report tells you clearly when your situation is complex enough that a broker makes sense. For most people in a standard layoff scenario, the math is enough to make a confident decision.
What if my situation is complicated?
Answer honestly and the report will flag it. Ongoing specialist care, partial-year income, a spouse on a different plan — we note where your situation adds nuance and where you need additional guidance. We won't pretend to have answers we don't have.
Why $29 for individuals?
The average wrong decision costs $3,000–$8,000. A licensed benefits consultant charges $150–$300/hour with a two-week waitlist. This is $29 and takes 5 minutes. If the report doesn't pay for itself the moment you see your numbers, email us for a full refund.

Don't let the deadline make the decision for you.

The clock started the day the notice was issued. The right answer takes 5 minutes.

Get My COBRA Report — $29 → HR Team? View Credit Packs →