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 dental hygienist. 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.

Keep everything in writing and save the confirmation numbers. It saved me later.