With the Affordable Care Act, no one can be denied health insurance nor can they be charged more for health insurance because of a pre-existing condition. The only reason for selecting COBRA in this case is if it gives access to hospitals, specialists and medications not available through publicly offered health insurance plans. But be aware, too, that many pre-ACA plans had maximum benefit payouts. Health insurance plans covered by ACA, i.e., the publicly available health insurance plans, do not allow benefit caps.
you need to check the pricing before you make statements like that (ACA).. I checked post ACA and it’s very similar, nothing has changed, except the prices have gone....UP!