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

I just got my COBRA paperwork and the deadline to decide is close. I have been trying to stay organised about it. My spouse has a chronic condition, so dropping coverage feels risky. Did anyone switch mid-year?

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.

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