COBRA costs more than my rent, what did you do?, insurance claims processor here

The COBRA quote for my family is $400 a month and I do not know how to afford it. I would rather hear the honest version than the polite one. My spouse has a chronic condition, so dropping coverage feels risky. Did anyone switch mid-year?

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

Check what the notice says about the election period and when coverage starts. Mine allowed a short window to choose.