COBRA costs more than my rent, what did you do?, mechanic here

The COBRA quote for my family is $1050 a month and I do not know how to afford it. This is my first time dealing with any of this. My spouse has a chronic condition, so dropping coverage feels risky. 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.