Is COBRA worth it after a layoff? - 11 months and counting

I was offered COBRA and the monthly cost is more than I expected as a barista. I am in Sacramento, in case local advice matters. My spouse has a chronic condition, so dropping coverage feels risky. How did you decide?

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

Keep everything in writing and save the confirmation numbers. It made the follow-up calls so much easier.