--- title: HSA Eligibility and the Marketplace – Yet another Reason why COBRA may be the Better Choice description: Selecting a Marketplace or individual plan with an extremely high deductible can make health savings accounts inaccessible. Here’s why: image: https://info.cobraguard.net/hubfs/HSA_Eligibility_and_the_Marketplace__Yet_another_Reason_why_COBRA_may_be_the_Better_Choice.jpg --- - [Help/FAQs](https://www.cobraguard.net/help) - [Login](http://www.cobraguard.net/login) [![Cobraguard Blog](https://info.cobraguard.net/hs-fs/hubfs/ITEDIUM/CGlogo_itedium_blog.jpg?width=297&name=CGlogo_itedium_blog.jpg "Cobraguard Blog")](http://www.cobraguard.net/) [On-Demand COBRA Administration](http://www.cobraguard.net/) # What Could You Achieve ... If You Weren't Bogged Down by COBRA? # The COBRA Blog # HSA Eligibility and the Marketplace – Yet another Reason why COBRA may be the Better Choice Posted by [Robert Meyers](https://info.cobraguard.net/cobra-blog/author/robert-meyers) on Fri, Dec 11, 2015 @ 08:12 AM - [Tweet](https://twitter.com/share) Employees losing employer group health coverage may be surprised to learn that selecting a Marketplace or individual plan with an extremely high deductible will render them ineligible to contribute to their Health Savings Account (HSA). ![hsa-eligibility](https://info.cobraguard.net/hs-fs/hubfs/HSA_Eligibility_and_the_Marketplace__Yet_another_Reason_why_COBRA_may_be_the_Better_Choice.jpg?width=285&name=HSA_Eligibility_and_the_Marketplace__Yet_another_Reason_why_COBRA_may_be_the_Better_Choice.jpg "hsa-eligibility")HSAs are marketed as the 401(k) plans of the health world.  If you have a qualifying high deductible health plan (HDHP), you can contribute a certain amount to an HSA.  The money that you contribute to your HSA is yours and you can take it with you if you change employers or retire.   You can even invest your HSA money in the same manner as your 401(k) account. Common sense would imply that HSAs are available with high deductible health plans as a means to compensate for the requirement to pay all medical costs out of pocket until the high deductible is satisfied.  What defies common sense is that an HDHP can have a deductible that is *too* high.  The Affordable Care Act sets maximum out of pocket costs for health plans ($6,850 individual/ $13,700 family).  The Internal Revenue Code sets maximum out of pocket costs for HSA qualifying high deductible health plans ($6,450 individual/ $12,900 family).  Unfortunately, the two maximums are not the same.  An individual that selects the Marketplace plan with the highest out of pocket costs is actually ineligible to make an HSA contribution because the Marketplace plan exceeds the HSA out of pocket limits.  An employee comparing COBRA with Marketplace plans should factor in the tax savings created by the ability to make an HSA contribution.  A slightly higher COBRA premium may be offset by the tax savings of making a pre-tax HSA contribution.  There are many factors to consider when deciding between COBRA or an individual plan such as networks, previously satisfied deductibles……and now, HSA eligibility. *To learn more about ACA compliance, COBRA administration and other employee benefit topics, subscribe to the COBRAGuard blog in the upper right hand corner of this screen.* Tags: [HSAs and COBRA administration](https://info.cobraguard.net/cobra-blog/topic/hsas-and-cobra-administration), [hsa](https://info.cobraguard.net/cobra-blog/topic/hsa) [![describe the image](https://info.cobraguard.net/hs-fs/file-17837940-gif/images/cg-callout-breakup.gif)](https://info.cobraguard.net/how-to-choose-COBRA-admin/)[![describe the image](https://info.cobraguard.net/hs-fs/file-17838292-gif/images/cg-callout-potofgold.gif)](https://info.cobraguard.net/returnonoutsourcing/) ### Subscribe to the COBRAGuard Blog ### Latest Posts ### Posts by category - [2015 reporting requirements (1)](https://info.cobraguard.net/cobra-blog/topic/2015-reporting-requirements) - [29'ers and cobra (1)](https://info.cobraguard.net/cobra-blog/topic/2939ers-and-cobra) - [aca (6)](https://info.cobraguard.net/cobra-blog/topic/aca) - [aca and cobra (1)](https://info.cobraguard.net/cobra-blog/topic/aca-and-cobra) - [ACA broker fee proposals (1)](https://info.cobraguard.net/cobra-blog/topic/aca-broker-fee-proposals) - [ACA changes (2)](https://info.cobraguard.net/cobra-blog/topic/aca-changes) - [ACA changes to certificates of creditable coverage (1)](https://info.cobraguard.net/cobra-blog/topic/aca-changes-to-certificates-of-creditable-coverage) - [ACA compliance (3)](https://info.cobraguard.net/cobra-blog/topic/aca-compliance) - [aca developments (1)](https://info.cobraguard.net/cobra-blog/topic/aca-developments) - [ACA penalties (1)](https://info.cobraguard.net/cobra-blog/topic/aca-penalties) - [aca reporting (2)](https://info.cobraguard.net/cobra-blog/topic/aca-reporting) - [ACA reporting requirements (1)](https://info.cobraguard.net/cobra-blog/topic/aca-reporting-requirements) - [aca safe harbor (1)](https://info.cobraguard.net/cobra-blog/topic/aca-safe-harbor) - [ACA subsidy (1)](https://info.cobraguard.net/cobra-blog/topic/aca-subsidy) - [aca transition relief (1)](https://info.cobraguard.net/cobra-blog/topic/aca-transition-relief) - [aca update (6)](https://info.cobraguard.net/cobra-blog/topic/aca-update) - [affordable care act (15)](https://info.cobraguard.net/cobra-blog/topic/affordable-care-act) - [affordable care act and cobra (1)](https://info.cobraguard.net/cobra-blog/topic/affordable-care-act-and-cobra) - [affordable care act compliance (1)](https://info.cobraguard.net/cobra-blog/topic/affordable-care-act-compliance) - [Affordable Care Act update (6)](https://info.cobraguard.net/cobra-blog/topic/affordable-care-act-update) - [affordable care act updates (1)](https://info.cobraguard.net/cobra-blog/topic/affordable-care-act-updates) - [age 26 rule (1)](https://info.cobraguard.net/cobra-blog/topic/age-26-rule) - [ahp changes (1)](https://info.cobraguard.net/cobra-blog/topic/ahp-changes) - [Association Health Plan (1)](https://info.cobraguard.net/cobra-blog/topic/association-health-plan) - [association health plan changes (1)](https://info.cobraguard.net/cobra-blog/topic/association-health-plan-changes) - [benefit campaigns (1)](https://info.cobraguard.net/cobra-blog/topic/benefit-campaigns) - [benefits administration (5)](https://info.cobraguard.net/cobra-blog/topic/benefits-administration) - [benefits administration outsourcing (1)](https://info.cobraguard.net/cobra-blog/topic/benefits-administration-outsourcing) - [benefits communication (1)](https://info.cobraguard.net/cobra-blog/topic/benefits-communication) - [billing reconciliation (1)](https://info.cobraguard.net/cobra-blog/topic/billing-reconciliation) - [Cadillac tax (1)](https://info.cobraguard.net/cobra-blog/topic/cadillac-tax) - [census (1)](https://info.cobraguard.net/cobra-blog/topic/census) - [certificate of creditable coverage (2)](https://info.cobraguard.net/cobra-blog/topic/certificate-of-creditable-coverage) - [certificates of creditable coverage (2)](https://info.cobraguard.net/cobra-blog/topic/certificates-of-creditable-coverage) - [changes to certificates of creditable coverage (1)](https://info.cobraguard.net/cobra-blog/topic/changes-to-certificates-of-creditable-coverage) - [Choose a COBRA Administrator (1)](https://info.cobraguard.net/cobra-blog/topic/choose-a-cobra-administrator) - [cobra (10)](https://info.cobraguard.net/cobra-blog/topic/cobra) - [cobra administration (71)](https://info.cobraguard.net/cobra-blog/topic/cobra-administration) - [COBRA administration mistakes (4)](https://info.cobraguard.net/cobra-blog/topic/cobra-administration-mistakes) - [COBRA administration outsourcing (3)](https://info.cobraguard.net/cobra-blog/topic/cobra-administration-outsourcing) - [COBRA administration partner (3)](https://info.cobraguard.net/cobra-blog/topic/cobra-administration-partner) - [COBRA administration program (2)](https://info.cobraguard.net/cobra-blog/topic/cobra-administration-program) - [COBRA administration services (2)](https://info.cobraguard.net/cobra-blog/topic/cobra-administration-services) - [cobra administration tips (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-administration-tips) - [cobra administrator (7)](https://info.cobraguard.net/cobra-blog/topic/cobra-administrator) - [cobra and aca (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-and-aca) - [cobra and aca eligibility (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-and-aca-eligibility) - [cobra and divorce (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-and-divorce) - [COBRA and Medicare (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-and-medicare) - [cobra and voluntary benefits (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-and-voluntary-benefits) - [COBRA beneficiary is incapacitated (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-beneficiary-is-incapacitated) - [COBRA benefit (3)](https://info.cobraguard.net/cobra-blog/topic/cobra-benefit) - [cobra benefits (2)](https://info.cobraguard.net/cobra-blog/topic/cobra-benefits) - [COBRA benefits for same-sex spouses (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-benefits-for-same-sex-spouses) - [COBRA best practice (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-best-practice) - [COBRA best practices (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-best-practices) - [cobra blog (15)](https://info.cobraguard.net/cobra-blog/topic/cobra-blog) - [cobra bob (3)](https://info.cobraguard.net/cobra-blog/topic/cobra-bob) - [COBRA bookkeeping (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-bookkeeping) - [COBRA collection (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-collection) - [cobra communication (3)](https://info.cobraguard.net/cobra-blog/topic/cobra-communication) - [COBRA compliance (9)](https://info.cobraguard.net/cobra-blog/topic/cobra-compliance) - [COBRA continuation (2)](https://info.cobraguard.net/cobra-blog/topic/cobra-continuation) - [cobra continuation coverage (2)](https://info.cobraguard.net/cobra-blog/topic/cobra-continuation-coverage) - [cobra continuation coverage election notices (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-continuation-coverage-election-notices) - [COBRA continuing education (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-continuing-education) - [cobra conundrums (12)](https://info.cobraguard.net/cobra-blog/topic/cobra-conundrums) - [cobra coordination (2)](https://info.cobraguard.net/cobra-blog/topic/cobra-coordination) - [cobra coverage (7)](https://info.cobraguard.net/cobra-blog/topic/cobra-coverage) - [cobra developments (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-developments) - [cobra disability extension benefits (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-disability-extension-benefits) - [COBRA during a merger (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-during-a-merger) - [COBRA during divorce (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-during-divorce) - [COBRA during mergers and acquisitions (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-during-mergers-and-acquisitions) - [COBRA early termination notices (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-early-termination-notices) - [COBRA education (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-education) - [COBRA efficiency (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-efficiency) - [cobra eligibility (3)](https://info.cobraguard.net/cobra-blog/topic/cobra-eligibility) - [COBRA eligibility at age 26 (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-eligibility-at-age-26) - [cobra eligible workers (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-eligible-workers) - [cobra enrollment window (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-enrollment-window) - [cobra for public entities (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-for-public-entities) - [COBRA for voluntary benefits (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-for-voluntary-benefits) - [cobra guard (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-guard) - [COBRA guidelines (5)](https://info.cobraguard.net/cobra-blog/topic/cobra-guidelines) - [COBRA guidlines (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-guidlines) - [COBRA Implications of Marriage and Divorce (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-implications-of-marriage-and-divorce) - [COBRA ineligibility for gross misconduct (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-ineligibility-for-gross-misconduct) - [cobra info. (2)](https://info.cobraguard.net/cobra-blog/topic/cobra-info) - [COBRA leave of absence (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-leave-of-absence) - [COBRA merger and acquisition rules (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-merger-and-acquisition-rules) - [COBRA mistake (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-mistake) - [cobra mistakes (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-mistakes) - [cobra non-compliance (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-non-compliance) - [COBRA notice (3)](https://info.cobraguard.net/cobra-blog/topic/cobra-notice) - [cobra notices (8)](https://info.cobraguard.net/cobra-blog/topic/cobra-notices) - [COBRA notification (2)](https://info.cobraguard.net/cobra-blog/topic/cobra-notification) - [COBRA option (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-option) - [COBRA options for plan sponsors (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-options-for-plan-sponsors) - [COBRA outsourcing (9)](https://info.cobraguard.net/cobra-blog/topic/cobra-outsourcing) - [COBRA outsourcing COBRA administration (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-outsourcing-cobra-administration) - [cobra overpayment (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-overpayment) - [COBRA participants (4)](https://info.cobraguard.net/cobra-blog/topic/cobra-participants) - [COBRA participation (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-participation) - [cobra payment (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-payment) - [COBRA payment collection (2)](https://info.cobraguard.net/cobra-blog/topic/cobra-payment-collection) - [COBRA policies (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-policies) - [cobra qualifying (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-qualifying) - [COBRA qualifying event (5)](https://info.cobraguard.net/cobra-blog/topic/cobra-qualifying-event) - [cobra qualifying events (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-qualifying-events) - [cobra qualifying plans (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-qualifying-plans) - [COBRA questions (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-questions) - [COBRA software (8)](https://info.cobraguard.net/cobra-blog/topic/cobra-software) - [COBRA solution (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-solution) - [COBRA solutions (7)](https://info.cobraguard.net/cobra-blog/topic/cobra-solutions) - [cobra special enrollment (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-special-enrollment) - [COBRA status (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-status) - [COBRA system (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-system) - [COBRA training (4)](https://info.cobraguard.net/cobra-blog/topic/cobra-training) - [cobra webinars (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-webinars) - [COBRA when fired for gross misconduct (1)](https://info.cobraguard.net/cobra-blog/topic/cobra-when-fired-for-gross-misconduct) - [cobraguard (3)](https://info.cobraguard.net/cobra-blog/topic/cobraguard) - [COBRAGuard blog (1)](https://info.cobraguard.net/cobra-blog/topic/cobraguard-blog) - [corporate downsizing (1)](https://info.cobraguard.net/cobra-blog/topic/corporate-downsizing) - [cost of health care (1)](https://info.cobraguard.net/cobra-blog/topic/cost-of-health-care) - [cost of health reform (1)](https://info.cobraguard.net/cobra-blog/topic/cost-of-health-reform) - [creditable coverage (1)](https://info.cobraguard.net/cobra-blog/topic/creditable-coverage) - [direct billing (1)](https://info.cobraguard.net/cobra-blog/topic/direct-billing) - [direct billing administration (1)](https://info.cobraguard.net/cobra-blog/topic/direct-billing-administration) - [eligibility and enrollment (1)](https://info.cobraguard.net/cobra-blog/topic/eligibility-and-enrollment) - [eligibility and enrollment platform (1)](https://info.cobraguard.net/cobra-blog/topic/eligibility-and-enrollment-platform) - [eligibility and enrollment software (1)](https://info.cobraguard.net/cobra-blog/topic/eligibility-and-enrollment-software) - [employee appreciation (1)](https://info.cobraguard.net/cobra-blog/topic/employee-appreciation) - [employee benefit brokers (1)](https://info.cobraguard.net/cobra-blog/topic/employee-benefit-brokers) - [employer compliance (1)](https://info.cobraguard.net/cobra-blog/topic/employer-compliance) - [employer mandate (6)](https://info.cobraguard.net/cobra-blog/topic/employer-mandate) - [employer mandate guidance (1)](https://info.cobraguard.net/cobra-blog/topic/employer-mandate-guidance) - [employer notifications (1)](https://info.cobraguard.net/cobra-blog/topic/employer-notifications) - [enrollment communication strategy (1)](https://info.cobraguard.net/cobra-blog/topic/enrollment-communication-strategy) - [Essential Health Benefits (1)](https://info.cobraguard.net/cobra-blog/topic/essential-health-benefits) - [exchange notices (1)](https://info.cobraguard.net/cobra-blog/topic/exchange-notices) - [exchanges impact on COBRA benefits (1)](https://info.cobraguard.net/cobra-blog/topic/exchanges-impact-on-cobra-benefits) - [flex administration (1)](https://info.cobraguard.net/cobra-blog/topic/flex-administration) - [flexible spending accounts (1)](https://info.cobraguard.net/cobra-blog/topic/flexible-spending-accounts) - [fsa (1)](https://info.cobraguard.net/cobra-blog/topic/fsa) - [FSA contributions (1)](https://info.cobraguard.net/cobra-blog/topic/fsa-contributions) - [fsa under cobra (2)](https://info.cobraguard.net/cobra-blog/topic/fsa-under-cobra) - [gross misconduct (1)](https://info.cobraguard.net/cobra-blog/topic/gross-misconduct) - [group benefits (1)](https://info.cobraguard.net/cobra-blog/topic/group-benefits) - [group health insurance (1)](https://info.cobraguard.net/cobra-blog/topic/group-health-insurance) - [health benefit costs (1)](https://info.cobraguard.net/cobra-blog/topic/health-benefit-costs) - [health benefit update (1)](https://info.cobraguard.net/cobra-blog/topic/health-benefit-update) - [health care costs (1)](https://info.cobraguard.net/cobra-blog/topic/health-care-costs) - [health care in the u.s. (1)](https://info.cobraguard.net/cobra-blog/topic/health-care-in-the-us) - [Health care premiums (1)](https://info.cobraguard.net/cobra-blog/topic/health-care-premiums) - [health care reform (4)](https://info.cobraguard.net/cobra-blog/topic/health-care-reform) - [health care reform compliance (1)](https://info.cobraguard.net/cobra-blog/topic/health-care-reform-compliance) - [health care strategy (1)](https://info.cobraguard.net/cobra-blog/topic/health-care-strategy) - [health exchange (1)](https://info.cobraguard.net/cobra-blog/topic/health-exchange) - [health insurance (3)](https://info.cobraguard.net/cobra-blog/topic/health-insurance) - [health insurance guidance (1)](https://info.cobraguard.net/cobra-blog/topic/health-insurance-guidance) - [health insurance marketplace (2)](https://info.cobraguard.net/cobra-blog/topic/health-insurance-marketplace) - [health plan IRS reporting (1)](https://info.cobraguard.net/cobra-blog/topic/health-plan-irs-reporting) - [health premium reimbursement (1)](https://info.cobraguard.net/cobra-blog/topic/health-premium-reimbursement) - [Health reform (5)](https://info.cobraguard.net/cobra-blog/topic/health-reform) - [health reform compliance (1)](https://info.cobraguard.net/cobra-blog/topic/health-reform-compliance) - [health reform cost (1)](https://info.cobraguard.net/cobra-blog/topic/health-reform-cost) - [health reform news (1)](https://info.cobraguard.net/cobra-blog/topic/health-reform-news) - [health reform update (3)](https://info.cobraguard.net/cobra-blog/topic/health-reform-update) - [health savings accounts and COBRA administration (1)](https://info.cobraguard.net/cobra-blog/topic/health-savings-accounts-and-cobra-administration) - [healthcare costs (1)](https://info.cobraguard.net/cobra-blog/topic/healthcare-costs) - [healthcare exchange income verification (1)](https://info.cobraguard.net/cobra-blog/topic/healthcare-exchange-income-verification) - [healthcare reform (4)](https://info.cobraguard.net/cobra-blog/topic/healthcare-reform) - [hipaa certificates of creditable coverage (1)](https://info.cobraguard.net/cobra-blog/topic/hipaa-certificates-of-creditable-coverage) - [holiday party (1)](https://info.cobraguard.net/cobra-blog/topic/holiday-party) - [holiday risk management (1)](https://info.cobraguard.net/cobra-blog/topic/holiday-risk-management) - [how COBRA works with HSAs (1)](https://info.cobraguard.net/cobra-blog/topic/how-cobra-works-with-hsas) - [hr best practices (3)](https://info.cobraguard.net/cobra-blog/topic/hr-best-practices) - [HR issues (13)](https://info.cobraguard.net/cobra-blog/topic/hr-issues) - [hr strategies (1)](https://info.cobraguard.net/cobra-blog/topic/hr-strategies) - [hr tips (1)](https://info.cobraguard.net/cobra-blog/topic/hr-tips) - [hsa (1)](https://info.cobraguard.net/cobra-blog/topic/hsa) - [HSAs and COBRA administration (2)](https://info.cobraguard.net/cobra-blog/topic/hsas-and-cobra-administration) - [IM Solutions (1)](https://info.cobraguard.net/cobra-blog/topic/im-solutions) - [individual mandate (2)](https://info.cobraguard.net/cobra-blog/topic/individual-mandate) - [insurance tax credits (1)](https://info.cobraguard.net/cobra-blog/topic/insurance-tax-credits) - [irs notice 2015-17 (1)](https://info.cobraguard.net/cobra-blog/topic/irs-notice-2015-17) - [labor audits (1)](https://info.cobraguard.net/cobra-blog/topic/labor-audits) - [leaves of absence (1)](https://info.cobraguard.net/cobra-blog/topic/leaves-of-absence) - [limited cobra (1)](https://info.cobraguard.net/cobra-blog/topic/limited-cobra) - [marketplace payment collection (1)](https://info.cobraguard.net/cobra-blog/topic/marketplace-payment-collection) - [marketplace plan (1)](https://info.cobraguard.net/cobra-blog/topic/marketplace-plan) - [Marketplace subsidy (1)](https://info.cobraguard.net/cobra-blog/topic/marketplace-subsidy) - [marketplace update (1)](https://info.cobraguard.net/cobra-blog/topic/marketplace-update) - [medical cost trend (1)](https://info.cobraguard.net/cobra-blog/topic/medical-cost-trend) - [Medicare (1)](https://info.cobraguard.net/cobra-blog/topic/medicare) - [mini COBRA (1)](https://info.cobraguard.net/cobra-blog/topic/mini-cobra) - [mini COBRA laws (1)](https://info.cobraguard.net/cobra-blog/topic/mini-cobra-laws) - [minimal essential coverage (1)](https://info.cobraguard.net/cobra-blog/topic/minimal-essential-coverage) - [minimum essential coverage (1)](https://info.cobraguard.net/cobra-blog/topic/minimum-essential-coverage) ### Follow Us - [Copyright ](https://info.cobraguard.net/cobra-blog/hsa-eligibility-and-the-marketplace-yet-another-reason-why-cobra-may-be-the-better-choice#)[© 2003 - 2016 iTedium](https://info.cobraguard.net/cobra-blog/hsa-eligibility-and-the-marketplace-yet-another-reason-why-cobra-may-be-the-better-choice#) - [Terms of Use](https://www.cobraguard.net/terms) - [Privacy Policy](https://www.cobraguard.net/privacy)