COBRA or Marketplace

COBRA or a Marketplace plan — compare before you decide

COBRA lets you keep your work plan, but you pay the whole premium yourself. A Marketplace plan may cost far less after the tax credit — or more, if your income is high or you’ve already met this year’s deductible. Roman lays both out side by side so you can decide with real numbers.

See plans & pricesEvery plan in your county with your price after the tax credit. No sign-up. Get free help from RomanLeave a name, phone and ZIP. He texts back the same business day.
Roman ShopinLicensed agent in Texas, NPN 22166747
Free for you English or Russian

What to know first

Three things that change which plan is right for you.

When COBRA can win

You’ve met most of your deductible this year, you’re mid-treatment, or your income is too high for a tax credit.

When the Marketplace can win

Your income dropped, you qualify for a tax credit, or your family needs coverage for many months.

Keep your doctors

Check your doctors against the Marketplace plan networks before you let COBRA go.

Two ways to get it done

Pick the one that suits you. You can start on your own and ask Roman anytime.

On your own

  • Enter ZIP, household and income
  • See every plan in your county with estimated prices
  • Enroll online when you’re ready — Roman stays your agent
See plans & prices

With Roman

  • He checks your tax credit and income estimate
  • Checks your doctors, hospital and prescriptions
  • Brings back 2–3 plans with the full-year cost and enrolls you
Get free help

How it works with Roman

  1. You send the basics

    Name, phone and ZIP. Add doctors or prescriptions if you like.

  2. Roman compares

    Tax credit, networks, drug lists and the full-year cost across carriers.

  3. You choose and enroll

    A 20–40 minute call or text exchange. He handles the application.

Carriers Roman compares

Tap a carrier to see its plans or ask Roman how it compares.

Get free help from Roman

Three fields. Roman replies the same business day — by text unless you pick another way. Your number stays with him.

Text Roman +1 (512) 748-8368 Call +1 (512) 748-8368 WhatsApp Telegram
How should Roman reach you?

By sending, you agree that Roman Shopin, a licensed insurance agent, may contact you by call, text or email at the details you provide about health insurance. Consent isn’t a condition of any purchase. Message and data rates may apply; reply STOP to opt out. Privacy policy.

Roman Shopin

Roman Shopin
Independent licensed agent · English and Russian

Who you’ll be working with

  • Licensed in Texas

    General Lines Agent (Life, Accident, Health & HMO). License #3473507, NPN 22166747.

  • Same price as HealthCare.gov

    Plan prices are set by the carriers. Using an agent never adds a fee — the carrier pays Roman.

  • A real office in Austin

    2009 North RR 620, Bldg 1, Suite 122, Austin, TX 78734. Affiliated with Futurity First Insurance Group.

  • Your data stays with Roman

    No call centers and no lead reselling. Your number is used only to help you with coverage.

  • Help after you enroll

    Income changes, a new baby, a claim question — you text the same person all year.

Questions people ask

Can I switch from COBRA to a Marketplace plan later?

During Open Enrollment, yes. Mid-year, only when COBRA runs out or another life event applies — dropping it voluntarily usually doesn’t qualify.

Does the Marketplace count my severance?

Your tax credit is based on expected income for the whole year, so severance and new income both matter. Roman helps you estimate it.

How fast do I need to decide?

Within 60 days of losing coverage for the Marketplace. COBRA also gives you 60 days to elect.

Not quite your situation?

Each page covers one situation and its deadlines.

Attention: This website is operated by GetCover Pro (Roman Shopin, licensed agent) and is not the Health Insurance Marketplace® website. In offering this website, GetCover Pro is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans (QHPs) being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at HealthCare.gov.