 [ Symptoms ] i have cobra which is expensive can my payments be reduced under the new health insurance laws [ Disease ] cobra coverage can be quite expensive because you are paying the full share of the premium    both the employer and the employee share of the premium plus a 2 administrative cost the affordable care act does not change the structure of cobra but you may be able to find a cheaper policy through your state marketplace depending on your income you may also qualify for a subsidy to help you pay your premium