COBRA costs more than my rent, what did you do? - 20 weeks in

The COBRA quote for my family is $400 a month and I do not know how to afford it. I am in Baltimore, in case local advice matters. My spouse has a chronic condition, so dropping coverage feels risky. Did anyone switch mid-year?

If you have a planned treatment, COBRA can make sense for a few months. Otherwise look at the marketplace first.

A quick call to the plan's member line cleared up two things for us that the letter did not.