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 dental hygienist. 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.

Keep everything in writing and save the confirmation numbers. It saved me later.