COBRA quote is huge, any alternatives?

The COBRA quote for my family is $550 a month and I do not know how to afford it. I would rather hear the honest version than the polite one. My spouse has a chronic condition, so dropping coverage feels risky. Is the decision time really that tight?

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

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