Is COBRA worth it after a layoff? after 15 years as a school bus driver

The COBRA quote for my family is $100 a month and I do not know how to afford it. I saw that marketplace plans might cost less. Is the decision time really that tight?

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

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.