COBRA quote is huge, any alternatives? - 16 weeks in

I was offered COBRA and the monthly cost is more than I expected as a home health aide. 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.

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