In my case, because of pre-existing conditions, they wanted my son and I to pay 25% more than the standard premium, which have been okay. But they wanted my daughter to pay 300% more because an ENT said she needed her tonsils & adenoids removed. The end result was that we'd be paying $25 a month less for about half the coverage as COBRA. So I went with COBRA and made sure we all had EVERYTHING done we could get done during this time. And my son had an emergency and was in the hospital for 5 day that we hadn't planned on and has a lot of after care too.
So that part worked out well for us.