COBRA quote is huge, any alternatives? after 12 years as a hotel front-desk agent

I just got my COBRA paperwork and the deadline to decide is close. I would rather hear the honest version than the polite one. My old employer will not help with the premium. How did you decide?

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.