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If you recently went through a lay off, before you spend your savings on COBRA, check out any state-ran medicaid programs. If you make nothing, it costs nothing, even copays and meds. Not taken everywhere but can usually find good options...

Easier to sign up for than work insurance. Meds are 3 month vs 1 month My urgent care visit was free. If in WA: www.wahealthplanfinder.org Not perfect, but I found it very competitive with good Tech industry insurance. Molina has treated me well when choosing. Check existing drs if you need them

If you need COBRA, you don't have to take it immediately either! You do have some time to decide on that, but the costs can be ridiculous. However, I know how important continuity can be if you have a family and found good providers.

Losing a job does count as a life event that lets you revisit/change insurance for partners/spouses as well.