Is COBRA worth it after a layoff? - 19 weeks in

I was offered COBRA and the monthly cost is more than I expected as an office manager. My spouse has a chronic condition, so dropping coverage feels risky. How did you decide?

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.