COBRA quote is huge, any alternatives? - what worked for you?

The COBRA quote for my family is $400 a month and I do not know how to afford it. I have read a lot of threads here and could not find my exact situation. My spouse has a chronic condition, so dropping coverage feels risky. Did anyone switch mid-year?

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