COBRA costs more than my rent, what did you do? - what worked for you?

I was offered COBRA and the monthly cost is more than I expected as a call-centre agent. Any experience at all would help. My spouse has a chronic condition, so dropping coverage feels risky. How did you decide?

I priced both side by side: total yearly cost, doctors in network and the deductible. Marketplace was cheaper for us, but only because our doctors were covered.

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