COBRA quote is huge, any alternatives? - 8 months and counting

I just got my COBRA paperwork and the deadline to decide is close. I am in Richmond, in case local advice matters. My spouse has a chronic condition, so dropping coverage feels risky.

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

A quick call to the plan's member line cleared up two things for us that the letter did not.