Is COBRA worth it after a layoff? - what worked for you?

I was offered COBRA and the monthly cost is more than I expected as a nurse's aide. It has been weighing on me all week. My spouse has a chronic condition, so dropping coverage feels risky. How did you decide?

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.

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