COBRA costs more than my rent, what did you do? - 3 months and counting

I just got my COBRA paperwork and the deadline to decide is close. I saw that marketplace plans might cost less. Is the decision time really that tight?

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

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