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

I just got my COBRA paperwork and the deadline to decide is close. Any experience at all would help. My spouse has a chronic condition, so dropping coverage feels risky. Did anyone switch mid-year?

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

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