Is COBRA worth it after a layoff? after 12 years as a bookkeeper

I was offered COBRA and the monthly cost is more than I expected as a bookkeeper. My spouse has a chronic condition, so dropping coverage feels risky. Is the decision time really that tight?

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

Thanks for writing this out. I went through something close to it 13 months ago, and it got easier once I kept a simple log of every call and form.