I don't have many details about COBRA, other than it was going to cost way too much per month. I went to ehealthinsurance and found a plan there for a LOT less. I'm sure the coverage is not quite as good, but I just need basic coverage. This was just for me also, the cost may differ if you're looking to cover a family. I'm not certain, but I believe the stimulus package includes some kind of aid for COBRA, like paying for 65% of it? I'm sure others out there have more info about that. Even if that's the case going through an independent company will still be cheaper for me. Hope that helps some.