Is COBRA worth it after a layoff? after 3 years as a software tester

I just got my COBRA paperwork and the deadline to decide is close. It has been a long 7 weeks. 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.

Thanks for writing this out. I went through something close to it 7 months ago, and it got easier once I kept a simple log of every call and form.