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. 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.

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.