Is COBRA worth it after a layoff? after 7 years as an HR coordinator

The COBRA quote for my family is $450 a month and I do not know how to afford it. My spouse has a chronic condition, so dropping coverage feels risky. Did anyone switch mid-year?

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

Check what the notice says about the election period and when coverage starts. Mine allowed a short window to choose.