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Updated for plan year 2026 · HealthCoverageCalc · Estimates only — verify at healthcare.gov

HealthCoverageCalc operates cobravsaca.com as a free static estimator. There is no phone queue and no sales staff. If you have a question about the site, a correction to a page, or a privacy request, email is the right channel.

We do not publish a phone number. Please do not send Social Security numbers, full medical records, or copies of COBRA notices that include account numbers. We cannot enroll you in coverage, bind a policy, or change a HealthCare.gov application. For enrollment and official subsidy numbers, use HealthCare.gov or your state Marketplace. For a COBRA deadline, write the administrator named on your election notice.

If your email is about a calculator result that looks wrong, include the household size, ages (no names), state, COBRA premium, and the income figure you entered — not your tax return. That is enough to see whether the 2026 FPL table, the 400% cliff, or a non-expansion coverage-gap flag is doing what we intend.